101.5% LTV Financing
The Advantage That Changes Lives
We’re not just helping people buy homes, we’re helping them rewrite their financial futures. Our exclusive 101.5% financing program is built for real buyers with real challenges, and it’s changing the game for renters, first-time homebuyers, and borrowers with limited funds.
What is 101.5% Financing?
Our proprietary program offers a combined loan-to-value (LTV) of up to 101.5%. That’s 96.5% through FHA and an additional up to 5% in Down Payment Assistance (DPA), enough to cover not only your down payment but also a portion of your closing costs.
This means you can get into a home with little to no money out of pocket, and unlike many government programs, ours comes with no income limits, no location restrictions, and no waiting lists.
Program Highlights
- 101.5% Total Financing – Covers down payment + closing cost support
- No Borrower Down Payment Required – Keep your savings in the bank
- Credit Scores as Low as 580 Accepted – We say yes when others say no
- Manual Underwrites Allowed – We look at the full picture, not just a score
- Non-Occupant Co-Borrowers Permitted – Flexibility to qualify with help
- No Income Limits or Geographic Restrictions – Open to all qualified buyers
Who This Helps
Whether you’re:
- A renter with just a couple thousand dollars saved
- A first-time buyer turned down by big banks
- Someone told they needed 20% down
- A family using gift funds or a co-signer to qualify
We’re the ones who find a way to say yes.
