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100% Financing for Your Home Loan

No down payment? No problem. Let us help you become a homeowner using the resources you already have.

We know that purchasing a home is a significant milestone, but the difficulties of coming up with the down payment can make home ownership seem out of reach. A zero down payment mortgage loan is possible with the right lender. We offer a number of mortgage options that provide 100% financing, including VA loans and USDA loans for those who qualify.

Apply for a No Down Payment Mortgage

Turning your dream of homeownership into reality without the burden of a down payment is possible with our No Down Payment Mortgage Loans. At First Bank and Trust Company, we believe in making homeownership accessible to everyone. Here are the key requirements for qualifying for our No Down Payment Mortgage Loans:

  • Creditworthiness - While a down payment may not be required, a good credit score is still crucial for approval. We'll assess your credit history to ensure you meet our creditworthiness standards.
  • Stable Income - Demonstrating a stable and sufficient income is essential to qualify for a No Down Payment Mortgage Loan. This helps ensure your ability to meet monthly mortgage payments.
  • Debt-to-Income Ratio - We'll evaluate your debt-to-income ratio to determine your capacity to manage additional financial obligations. A reasonable ratio is essential for loan approval.
  • Property Type - Our No Down Payment Mortgage Loans are available for various types of properties, including primary residences. Eligible properties must meet certain criteria, and our Mortgage Specialists will guide you through the details.

Loan Program Eligibility - Explore our range of mortgage options, including VA loans and USDA loans, which offer 100% financing for qualified applicants. Our local Mortgage experts will help you determine the best program for your unique situation.

Mortgage Bankers

Our competitive rates ensure that you not only secure a mortgage without a down payment but also benefit from favorable terms. Here's why our No Down Payment Mortgage loan rates stand out:

  • Competitive Interest Rates: Enjoy competitive interest rates that make your mortgage affordable over the life of the loan.
  • Flexible Loan Terms: Choose from a variety of loan terms to find a repayment plan that suits your budget and financial objectives.
  • Transparent Process: We believe in transparency, and our Mortgage experts will guide you through the loan application process, providing clarity at every step.

Expert Guidance: Our experienced Mortgage Bankers are here to assist you in navigating the complexities of No Down Payment Mortgage Loans, ensuring a smooth and stress-free experience.

Mortgage Bankers

Competitive Mortgage Loan Rates

At First Bank & Trust, we offer competitive mortgage loan rates for the life of your loan. Whether you need a 30-year fixed loan or simply to refinance, our local Mortgage Bankers will find a financing solution that works for you.

Since mortgage interest rates change frequently with the market, it’s best to work with your local representative to get your custom rate quote.

Get your custom rate quote. Call or apply today.

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First-Time Homebuyer

Zero Down Home Loans for First-Time Buyers

Working with a qualified lender for your first home purchase is the key, especially when considering how to cover the costs of home ownership. Our Mortgage Bankers have over 40 years of experience helping clients reach their dream of home ownership. We especially love to work with first time homebuyers.

We will help you determine if a no down payment mortgage is an option for your first home loan.

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