The No-Down-Payment Wealth Building Loan

September 15, 2019

While most people believe that a down payment of 20% or higher is needed for a mortgage, we’ve been doing our best to dispel that myth over the years.

Case in point: our Wealth Building Loan, which requires no down payment. That’s right… NO down payment.

Now, our lawyer needs us to add this next part: our Wealth Building Loan is available for qualified homebuyers for loan amounts up to $750,000 (if your credit score is 700 or higher) OR for loan amounts up to $525,000 (if your credit score is 680 or higher).

Plus, if you’re eligible for the Wealth Building Loan, you can lower your mortgage payment costs by financing your mortgage insurance premium into your home loan amount – up to 103% loan-to-value. 


One of the reasons we introduced the Wealth Building Loan is because it helps homebuyers to rapidly increase their equity by putting more money toward principal and less toward interest each month.

Talking with one of our loan originators, who can take an in-depth look at your financial picture, is the best way to discover if the Wealth Building Loan might be a good fit for your situation and preferences.