Zero Down Portfolio Home Loans

No down payment necessary

Get a low, fixed rate for the first five years, followed by a adjustable rate

family in front of their home
family in front of their home

Why choose a Zero Down Portfolio Home Loan?

With no down payment, your interest rate is fixed for the first five or seven years with a simple 2/2/5 adjustable rate after the initial fixed period ends.

  • Maximum 2% change from your previous rate with each adjustment
  • Maximum 5% change from your original rate over the life of the loan

With no money down, you can put your savings into upgrades for your new home or into your savings account.

Mortgage calculators

How it works


Get preapproved

Find out how much you can borrow, and let sellers know you’re ready to buy.

Get Started


Choose your home

Make your wish list, choose a real estate agent, and find your dream home.

Make an offer

If your offer is accepted, you’ll need a home inspection and appraisal.

Close the sale

Once you sign the paperwork, you can get the keys and prepare to move in.

Mortgage FAQs

This loan is only available under specific circumstances.

  • You must use it for a primary, single-unit residence.
  • You must have a minimum credit score of 720.
  • Loan limits vary by county.

Your Mortgage Originator can go over all the eligibility requirements with you.

The Zero Down Portfolio Home Loan is an adjustable-rate mortgage that’s linked to an economic index. That means your interest rate could increase or decrease over time.

With this loan, your interest rate is fixed for the first five years. After that, there are limits on how much your rate can change with each adjustment. There’s a maximum 2% change from your previous rate with each adjustment, and a maximum 5% change from your original rate over the life of the loan.

If you want to buy a home within the next few months, then it’s a good idea to get preapproved. Preapproval shows the seller that you’re serious about buying and you have the funds you need to make a purchase. If you’re searching for a home in a competitive market, preapproval makes your offer more attractive to sellers and gives you a critical advantage over other potential buyers.

While many lenders cancel their preapprovals after 90 days, there’s no expiration date on ours. If any of the documents in your credit approval file are out of date, we’ll offer you the opportunity to update them so that you can keep your preapproval in place.

Your credit score affects the interest rate you qualify for when you apply for a mortgage. With a higher credit score, you can usually qualify for a lower interest rate, which lowers your monthly payment and reduces the overall cost of your loan.

If you’re not sure what your credit score is, you can request a free copy of your credit score every 12 months from If your credit score isn’t as high as you’d like it to be, here are some tips for improving your credit.

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Get started

Learn more about our team

Our mortgage experts are ready to help you one-on-one, every step of the way. We streamline the process to make it easier for you, and we’re always ready with advice and assistance.

Meet the Team

Find a Mortgage Originator near you