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	100 Percent Mortgages

Broker Ben's California Mortgages

100% Mortgage Loans - Zero Downpayment

A "no down payment" home loan can enable a homebuyer to purchase a home without writing a check for a hefty down payment. There are numerous zero down payment mortgage programs available for buyers with credit scores above 580. These 100% home loans enable you to qualify for a better home while keeping your savings for unexpected expenses or emergencies.

These 100 percent financing programs can also be used for rate/term or cash out refinances. Borrowers who obtain 100 percent mortgages can also avoid out-of-pocket expenses by obtaining a "zero closing cost" mortgage.

Most of the loan programs I offer do NOT require private mortgage insurance (PMI). PMI can add a significant amount to your monthly payment (and it is generally not deductible). To avoid PMI, you may obtain a single home loan at 100 percent LTV (loan to value) or a combo mortgage (also known as an 80/20 mortgage). There are advantages and disadvantages to each approach.

Call today to discuss your 100% financing and "no closing cost" options.
You may apply online, by fax, by mail, or by phone. First-time homebuyer? Don't forget that you can qualify for a 100 percent home loan with no closing costs even with bad credit.

I fund mortgage loans throughout California including Northern California, Southern California, and the Central Valley.
California Metropolitan Statistical Areas served include San Jose-San Francisco-Oakland, Los Angeles-Long Beach,
Santa Ana-Irvine-Anaheim, Riverside-San Bernardino, and San Diego. See a partial list of cities and counties below:

Anaheim
Berkeley
Elk Grove
Fremont
Fresno
Irvine

Long Beach
Los Angeles
Oakland
Rancho Cucamonga
Sacramento
San Bernardino

San Diego
San Francisco
San Jose
San Mateo
Santa Ana
Santa Clara

Alameda County
Contra Costa County
Fresno County
Los Angeles County
Marin County
Napa County
Orange County

Placer County
Riverside County
Sacramento County
San Bernardino County
San Diego County
San Francisco County
San Luis Obispo County

San Mateo County
Santa Barbara County
Santa Clara County
Santa Cruz County
Solano County
Sonoma County
Ventura County

© Broker Ben. Licensed by the California Department of Real Estate; license number 01036600
Clarion Mortgage Capital is licensed by the California Department of Real Estate; license number 01245811
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