Securing 100% financing for real estate is possible through various programs and lenders, depending on your situation—whether you’re a first-time homebuyer, a veteran, or a real estate investor. Below are some options tailored to different needs: 

🏡 For First-Time Homebuyers & Primary Residences

1. USDA Rural Development Loans
   These government-backed loans offer 100% financing for eligible buyers purchasing homes in designated rural areas. They are available to low- to moderate-income households and do not require a down payment. Income limits apply and vary by county.

2. VA Loans
   Available to current and former U.S. military service members and certain surviving spouses, VA loans provide 100% financing with no private mortgage insurance (PMI) requirement. These loans may also cover closing costs and offer competitive interest rates.

3. Navy Federal Credit Union – Homebuyers Choice Loan
   This program offers 100% financing options, making it an excellent choice for first-time homebuyers and those struggling with the housing market. It allows you to move in faster with no down payment required.

4. RBFCU – 100% Financing Mortgage Loan
   RBFCU offers 100% financing with no down payment required, making it easier to purchase a home. They provide both 30-year and 20-year fixed-rate options.

5. Delta Community Credit Union – 100% Financing Home Loan
   Delta Community Credit Union offers 100% financing home loans with no down payment required. They provide fixed-rate and adjustable-rate loan terms, with loan amounts up to $726,200.

6. ECU 100 Mortgage
   This loan offers a no down payment option, no Private Mortgage Insurance (PMI) requirement, and up to 100% financing on the purchase price of the home. It’s designed to help buyers who are not first-time homebuyers with the costs of traditional expenses associated with a mortgage loan.

💼 For Real Estate Investors

1. Express Capital Financing
   Offers asset-based loans for non-owner occupied rental properties, including fix-and-flip projects. Loans range from $100,000 to $50 million, with no appraisal required and a minimum credit score of 600. Income verification is not needed, and the property must be non-owner occupied.

2. Jet Lending
   Provides loans in all 50 states for short-term and long-term real estate investment properties. They offer up to 100% financing of the loan-to-cost (LTC) or as-is value (AIV), and up to 100% rehab loans for investors with approved experience. Loans can close within 3 days from appraisal report and clear-to-close from the title company.

3. Kiavi
   Offers several types of real estate investment loans, including fix-and-flip, bridge loans, construction loans, and DSCR rental loans. They lend in 32 states plus the District of Columbia. A business entity is required, and the property must be non-owner occupied.

4. Valor Lending Group
   Provides hard money loans up to $10 million, often without an appraisal. They can fund loans in as little as 10 days and offer 100% financing by leveraging equity in another investment property.

5. Rehab Financial Group (RFG)
   Offers a wide variety of no-income-verification loans for real estate investment needs. They provide limited documentation loans with same-day approval.

6. The Investor’s Edge
   Provides 100% hard money financing, covering not just the purchase price but also repair and closing costs for approved investors. They offer loans with flexible terms and quick funding.

⚠️ Important Considerations

• Eligibility Criteria: Each program has specific eligibility requirements, including income limits, credit score thresholds, and property location restrictions.

• Loan Terms: While 100% financing eliminates the need for a down payment, borrowers may face higher interest rates or private mortgage insurance (PMI) requirements.

• Property Type: Some programs are limited to primary residences, while others may allow investment properties.

• Location: Programs like USDA loans are only available in designated rural areas.

If you need assistance determining which option best fits your situation or require help with the application process, feel free to ask!