100% financing-Downpayment Assistance and Zero Down Home loans Exist


GRH Guaranteed Rural Housing Program
100% financing

Talk with us about this 100 percent financing program if you are looking to buy or refinance a single family home in a rural area. All of Kentucky may be eligible by county and income limit. Contact us to verify if your property is eligible.

Some key features include:

- No PMI. That's right, no private mortgage insurance. Like VA, this program has a Guaranteed fee that can be financed into the loan the same way VA loans have a Funding fee.

- 6% seller help/contribution is allowed

- No minimum contribution from your own funds. FHA has a 3.5% requirement. There are also no cash reserves required, as is the case with your typical conventional loan.

- This program only offers a fixed rate option for primary 1 unit residences. Current maximum loan amount is $417,000.

There are income limitations to qualify. Contact a  Loan Officer and we will help you find a home where you can take advantage of this great 100% financing program. Contact us to see if your property is eligible for the USDA 100% program.

VA financing
100% financing

The VA does not make home loans, they insure them. We are VA approved and can help you with your VA loan request. Some VA benefits include:

- No downpayment is required in most cases

- Borrow up to 100% of purchase price

- Lower closing costs

- Mortgage is assumable

- No Private Mortgage Insurance (PMI)

- No penalties if you prepay the loan

- You may be eligible for waiver of VA funding fee

- VA support during temporary financial difficulties

More on 100% VA financing

FHA financing & down payment help

gift funds are allowed for the entire down payment, closing costs, and pre-paid items. Down payment can come as a gift from a family member, an employer (tip: convert a raise or bonus into down payment assistance), or from a nonprofit institution or government grant.