Buy a home with Zero Down payment
Yes, it’s possible to buy a home with Zero Down payment. For those without the savings for a down payment, Guild offers a Zero Down program. It combines an FHA mortgage with a second mortgage to cover down payment and closing costs. You could potentially buy now, with little to nothing out of pocket.
Our Zero Down program is for:
First-time or repeat homebuyers
Credit scores of 600 or higher
Primary home purchases
Our Zero Down program is for:
First-time or repeat homebuyers
Credit scores of 600 or higher
Primary home purchases
How to buy a home with Zero Down:
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Connect with a loan officer by completing the form
Complete an application
Get pre-approved for an FHA first mortgage
Receive a 3.5% or 5% down payment assistance (DPA) repayable second mortgage to cover down payment and/or closing costs, or a 3.5% DPA second mortgage that doesn't need to be repaid
Choose whether to reduce your interest rate for the first year using a temporary buydown
Your partner in pursuit of home.
The Zero Down program is not affiliated with HUD. This program pairs a second mortgage for the down payment and/or closing cost with a standard FHA-insured first mortgage. Second lien can be 3.5% or 5% of the purchase price. FHA standard loan limits apply
*Guild Mortgage is not licensed in the state of New York.
**Borrower must meet program eligibility and qualify based on the note rate of the program. Seller participation may be required to pay for the buydown costs. Temporary buydown is applied to the first lien only.
All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deductions.