How to Get : No Down Payment Mortgage

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    via linkedin: Olivia Simms
    Ivan has been there with me through it all! It’s been almost a year and I must say Ivan has been there still. He made sure that I have been updated with whats going on being a new home owner. Even when I thought I had it together he had good tips that has helped me in every area of my new journey ! Ivan thank you so much I couldn’t imagine the journey without you, You Are Simply The GREATEST!!!
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    via Yelp - Thao Nguyen
    I had a great experience purchasing my first home with Ivan’s help. He works with your best interest in mind, to find you the best option of your situation. For me, he went above and beyond to help me with getting documents straighten out that wasn’t really part of his job. Thanks Ivan! A trusted consultant for 10 years in the Mortgage business, I take pride in finding solutions to my clients needs. I love being the “go to” guy for my clients. There’s a good feeling when a past client sends a text message or email asking inquiring about a new mortgage. I know the hard work invested will pay off as time passes on. A little Bit More – let’s connect! lets-connect What People Say About Me – Testimonials Ivan is great at what he does. He helped me finance my first, and was extremely patient. Being that it was my first time, I had no idea what documents I needed, and I didn’t understand real estate lingo. However, Ivan was very patient and explained everything to me probably a couple of times. He also has great customer service. He responds extremely quickly and is on top of everything. He made my first transaction really smooth and easy. We got caught at some bumps in the road but he found a way to help us resolve it. He is a genuinely nice person. He occasionally shoots me an email to see how things are or whether I have any questions regarding anything. He is there to help and I can just tell that he loves his job. Thank you for helping us through our first transaction Ivan! Le Tran I had a great experience purchasing my first home with Ivan’s help. He works with your best interest in mind, to find you the best option of your situation. For me, he went above and beyond to help me with getting documents straighten out that wasn’t really part of his job. Thanks Ivan!
  3. via Yelp! - Le Tran
    via Yelp! - Le Tran
    Ivan is great at what he does. He helped me finance my first, and was extremely patient. Being that it was my first time, I had no idea what documents I needed, and I didn’t understand real estate lingo. However, Ivan was very patient and explained everything to me probably a couple of times.
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    C Boss
    This experience has been flawless and so easy! Ivan has been a great resource and is so patient with first time home buyers.
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    Tom Brewer
    I don't know how to thank you. I feel certain that I wouldn't once again be a homeowner without your help.

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Buying a House with No Money Down

This page is your source for Buying a House with No Money Down! One of the biggest challenges most borrowers face is saving enough money for a down payment.

A down payment consists of your minimum investment required by the type of mortgage  program you choose  and your mortgage closing costs . Many do not have the ability to save for a down payment. That is why I created a resource you can count on.   

Zero Down Mortgage: How Does it Work?

Before the housing crisis, 100% financing  (aka zero down home loans or no money down) was available to anyone who applied.

Those mortgages along with other contributing factors, led to a housing bubble that some still haven't recovered from. For that reason, many conventional and private mortgage investors now require 20% down or mortgage insurance to reduce the exposure of default.

The government realizes that home ownership is vital to the economy. To help facilitate home ownership, low down payment mortgages were created by the US Department of Housing and Urban Development  (aka HUD) in addition to Down Payment Assistance programs provided by local government agencies. 

Keep in mind that while no minimum investment is required on 100% financing mortgages, you are still responsible for mortgage closing costs in addition to a possible earnest money deposit.  

Earnest money is a good faith deposit that is negotiable and will be applied to your closing costs, down payment or returned to you. 

There are ways to avoid paying closing costs with seller and lender credits but make sure you understand how the credits work. For those with little to no money for a down payment, these credit options are ideal to helping you get in to your new home.
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 Ivan Diaz 

 Mortgage Professional

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View which areas or property addresses are eligible here!
Established in 1991 by the US Department of Agriculture (USDA) rural development loans are designed to help medium income American's buy a home in rural and suburban communities. In addition to low fixed rates and low mortgage insurance, a USDA Loan is available to everyone will allow you to finance 100% of the value of your home.


Together with your realtor, we will negotiate No Money Down on the purchase of your home.

USDA Loan Benefits - Advantages of Using a USDA Mortgage

USDA Loan Requirements

Below you will see loan requirements for USDA (Rural) Home Loans, VA Home Loans and links to Down Payment Assistance sources. Zero down home loans refer to the down payment requirement. 
  • ​​Rates lower than Conventional Loan
  • Lender Credits Apply
  • Loan Amounts up to $417,000
  • Guarantee fee added to loan balance at closing

VA Loan Benefits

VA loans, which are available to active-duty service members, veterans or the spouse of a veteran (and some other individuals affiliated with our armed services) are one of the rare mortgage loan programs available that can require absolutely no down payment at all! 

Guaranteed by the U.S. Department of Veteran Affairs, VA loans are similar to FHA loans. The agency guarantees repayment to investors which means VA defines the mortgage guidelines.

VA loan qualifications are lenient. VA designates availability to active duty and honorably discharged service personnel.

In addition, home buyers who have spent at least 6 years in the Reserves or National Guard are eligible, as are spouses of service members killed in the line of duty.​​

VA Loan Requirements


  • You may use intermittent occupancy
  • Bankruptcy and other derogatory credit do not immediately disqualify you
  • No mortgage insurance is required

Down Payment Assistance Programs

cal hfa

texas first time home buyer

texas state affordable housing corp

There are several programs offered in Texas and CA!

Visit the Down Payment Assistance Page Here!