FHA financing is easy to qualify for with a down payment as low as 3.5%!  

Making dreams come true
with USDA zero down mortgages

We don’t think that saving for a down payment should be the reason you put your dreams on hold. You can still buy your dream home with a zero down mortgage loan with USDA financing. With a zero down mortgage, the amount of loan you can qualify for is determined by your ability to make your monthly payments rather than how large a down payment you’ve saved. USDA eligible areas include Ewa Beach, Makakilo, Kapolei, Village Park, Royal Kunia, Waianae Coast, Whitmore Village, North Shore, Waimanalo, some of Kaneohe from Ahuimanu, all the way to Kahuku.

Buying a home is something we all dream about, usually for years. You may have saved money for a down payment, but just don’t have enough to buy your dream home. In certain special cases, a piggyback loan may serve your needs. Different than a zero down mortgage, a piggyback loan is actually two mortgages. The first mortgage is for 80% of the purchase price. The “piggyback” loan (or second mortgage) covers the shortfall between the purchase price and your down payment savings.

Let us help you explore all your mortgage options. We look forward to helping you!