100% financing, flexible credit guidelines, no down payment required!

Is 100% Financing Right For Me?

A USDA Loan offers a once in a lifetime opportunity to buy a home with No Down Payment. Where else can you get the lowest fixed rates, simple credit requirements and with the Guarantee of the Federal Government? In recent years this program has emerged to be one of the most popular loan programs in our history.

Is USDA Right For Me?

Make Your Dreams Come True

Many home buyers may be surprised to learn that our zero down program will allow you to buy that dream home with little to no money down. Zero Down Lending is a mortgage lender with professionals dedicated to making your dreams of home ownership come true. Get Started on your path to homeownership today!

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Apply For A Mortgage Today

Apply for a mortgage quickly and easily with Zero Down Lending. Whether you're in need of assistance with a pre-qualification, pre-approval or a particular home loan product, we'll help you along each step of the mortgage application process. Just answer a few short questions, and we'll be in touch promptly.

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Meet Our Happy Clients

Zero Down Lending was referred to me by a friend and I couldn’t have been happier with my experience. As a first-time home buyer, they were patient and considerate, taking the time to walk me through the basics and explain the details of my loan, interest rates, closing process, etc – often more than once.

They took calls and fielded emails at all hours, and have since followed up with me regularly to make sure everything continues to go smoothly. Zero Down Lending offered recommendations for contractors, CPA’s and just about anyone else I could possibly need as a homeowner. Great company, great service!

Zero Down Lending was excellent! I still cannot believe we own our first home! We were getting so frustrated with the whole loan process. We had worked with two mortgage companies before and they kept giving us the run around and wasted almost a year of our time! I was about to extend our lease at the apartment then my friend at work told me about a USDA Loan.  I applied with Zero Down Lending and they were able to help us with our credit and got us approved. We met with their agent and found a home within thee days!

We got approved for an FHA loan with a 3.5% down payment with our credit union. This wasn’t so bad but the main problem we had with the FHA loan is the payment was so high because of the mortgage insurance they added to the loan. We started looking for other options and found out that our area was eligible for USDA so we applied for a USDA loan with Zero Down Mortgage and they got us approved with zero down and we closed in December.(We are planning Christmas dinner in our new home!) In the end we got a cheaper house payment and we were able to keep our down payment money to use for new furniture.