We were working with a mortgage company that was dragging their feet, we almost lost our contract on the home when I called Zero Down Lending. They got us closed in three weeks and saved the deal. Thank you!
We started the loan with process with our local bank. They approved us with a 20% down payment. I did not have that kind of money on hand. I went searching online and found Zero Down Lending. They quickly approved us with 100% financing and even got a lower interest rate than what my bank offered. Everything went great, they were able to do what no one else could!
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.
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!
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!