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The Homebuyer Conventional 100 mortgage requires home buyers to meet up to nine requirements for their mortgage pre-approval.
No home ownership in the past 3 years. Single parents with prior ownership only while married also qualify.
Primary residences only — no vacation homes or investment properties. Move in within 60 days of settlement.
Single-family homes, townhomes, condos, row homes. Multi-unit, manufactured, mobile homes are ineligible.
Loan size must fall within your county's conforming loan limits.
Household income may not exceed 140% of the area median income (AMI).
Minimum 660 credit score using FICO scoring system. Medical debt and collections ignored.
U.S. citizens and lawful permanent residents only. Trust closings allowed for qualifying beneficiaries.
Complete a certified homeownership education course (Fannie Mae HomeView or Freddie Mac Credit Smart).
Available in 30 states as of March 2024. Check if your state is eligible.
The mortgage makes the American Dream of homeownership more attainable through:
3% down. Ideal for low/moderate income, average credit scores.
3% down. Similar to HomeReady with different credit standards.
3% down. Best for above-average credit scores.
3.5% down. Great for lower credit scores, multi-unit homes.
0% down. Available in low-density areas.
0% down. For military members, veterans, and spouses.
Low down payment. For foreclosed and repossessed homes.
What is the minimum credit score?
660 minimum credit score using FICO scoring system.
Does it allow non-occupant co-borrowers?
Yes, parents or relatives can assist financially.
What is the minimum down payment?
There is NO down payment requirement!
Can I use gift funds?
Yes, cash gifts for down payment are allowed.
Can I purchase a multi-unit home?
No, only single-family homes, condos, townhomes.
Where do I get homeownership education?
Fannie Mae HomeView or Freddie Mac Credit Smart — both free online.
Get pre-approved today and see if you qualify for the Conventional 100 or other zero-down programs!
Your dream of homeownership is closer than you think. Let's make it happen!
"As first-time buyers, we were nervous and had no idea where to start. Miguel held our hand through every step — from pre-approval to closing. He made the impossible feel possible!"
"Miguel helped us understand first-time buyer programs we qualified for. We got down payment assistance and a great rate. We never thought we could own a home so soon. Thank you!"
"Buying our first home was stressful, but Miguel made it easy. He explained everything in simple terms, answered all our questions, and found us the perfect starter home. We're customers for life!"
A few minutes, a few clicks, up to 5 competing mortgage quotes
Complete our 60-second application with basic information
Verify your email and get matched with a loan specialist
Receive loan options and start your home search
Sign documents and get the keys to your new home
Lowest rates. Fast approvals. Personalized service.
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"We've helped thousands of families achieve their dream of homeownership. Now it's YOUR turn."
Are you ready to step into your future? Whether it's your first home, a new investment, or a cozy upgrade, securing the right mortgage is the first step. But don't wait – rates are changing fast, and so are your opportunities!
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