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The Zero-Down Mortgage

Do you qualify for a ZERO-DOWN MORTGAGE?  Here are details on two Government-backed, zero-down mortgage programs that may work for you.

Rural Housing Loan Program

This program is aimed at low to moderate income households.  It is backed by the U.S. Government and can be taken out for as much as 100 percent of the appraised value of a property.  The qualifications include living in a rural area of the United States and demonstrating that you lack adequate housing right now.    To find out more details, visit the USDA website for income and eligibility information.

VA Loans

If you or your spouse is a veteran, a member of the reserves or active duty, you may qualify for a VA loan.  This loan is backed by the U.S. Department of Veterans Affairs and allows borrowers to receive up to 100 percent of the appraised value of a property.  There are certain service requirements to determine eligibility and you need to have enough income to afford the mortgage payment.  For more details and to see if you are eligible for a VA Loan, visit the Department of Veterans Affairs website.

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