You Don’t Need 20% Down to Purchase a Home…

So many renters and potential buyers think they need to have 20% down to qualify for a home purchase or a credit score of 740+ to buy!

Below you will find 4 programs where 20% down is not required nor high credit scores…

VA LOANS by the Veterans Administration:

  • No Down Payment Required
  • Competitive Interest Rates
  • No Private Mortgage Insurance (PMI)
  • Flexible Credit Requirements

FHA LOANS by the Federal Housing Association:

  • Low Down Payment (3.5% Down)
  • Accessible Credit Requirements
  • Government Backing

HOME ONE by Freddie Mac:

  • Low Down Payment (3.0% Down)
  • No Income or Geo Limits
  • Custom Mortgage Insurance (MI) Coverage
  • Allows Many Property Types


  • Down Payment Assistance where one can put zero down.
  • Educational Resources
  • Flexible Eligibility
  • No Geographic Restrictions
  • Must Be Funds Available to Use from the State

Best Regards,

Rob McCarthy

Senior Mortgage Advisor

650-465-8957 c  408-377-4123 o  408-608-1921 f

CA DRE #01165697  NMLS #121019

101 Loan – 14435 C Big Basin Way, Saratoga, CA 95070



  1. Residential Financing for Purchases and Refinances on 1 to 4 unit properties.
  2. Reverse Mortgage Financing to include Conforming, Jumbo, HELOC Jumbo’s.
  3. Commercial & SBA Financing to include Multifamily, Office, Retail and Light Industrial.
  4. Access to over 60 banks with over 300 “Five Star” Reviews on Yelp, Google, Facebook and Linkedin.