Foreign National Program without:
Residency, Social Security or Income in the US
All Government Programs
First-Time Buyer, Rural and Veterans Programs
Ask us about our program
To improve your credit scores...
Starting with only...
580 Credit Scores!!!
Don't worry and submit your information
We will help you.
Contact us to analyze your options.
Don't worry and submit your information
We will help you.
Upto 90% financing for
Purchases of up to $830,000.
USDA Loans for moderate income Families
0% down payment - 100% financing
Lowest down payment option, the 3% DOWN PMT Program has become the solution to buyers with low credit and limited funds for closing...
The 3% DOWN PMT Program enables buyers more cash available after closing compared to traditional conventional home loans. The total amount of down payment required is 3% of the purchase price.
The 3% DOWN PMT Program features:
- Great low rates.
- Closings of 30 days or less.
- Available with no monthly Mortgage Insurance.
- 97% LTV - 3% equity for your borrower.
- FICO score of 620.
- Interested party contribution of 3%.
- Automated Underwriting findings will now set max DTI.
The 3% DOWN PMT Program requires borrowers to verify their eligibility based on the property that will be purchased.
Lenders must determine borrower/loan eligibility following the Selling Guide policy. In the event of any conflict with this document, the Selling Guide and DU findings will govern.
Do not wait any longer and find out how much loan you can get Pre-Approved.
If you are looking for a low down payment home loan program, Clear Lending can help you with The 3% Down Payment Program. Simply complete our secure and encrypted Pre-Approval Form online, and we will contact you right away to review the best options for you.
Not all applicants will qualify. This advertisement is not an offer for an extension of credit. Please meet with a licensed loan originator for more information as programs are available only to qualified borrowers. Programs rates, fees, terms, and programs are subject to change without notice. Not all loans, loan sizes, or products may apply. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet loan-to-value requirements, and final credit approval. Approvals are subject to underwriting guidelines and program guidelines and are subject to change without notice. Some restrictions may apply.
Joan is awesome! He helped us secure a home loan in a very short time. After being rejected, losing money and valuable time with another organization, Joan accomplished what I thought was impossible. I found Joan to be knowledgeable, professional and driven in his efforts to get us approved. He communicated to us throughout the process and was responsive to my questions and concerns. I would recommend anyone looking at purchasing a home to contact Joan and he will make it happen. He is great! Thanks Joan!!
Dear Joan,
You and your team have been a blessing for our closing. Your integrity, efficiency and expertise support during our buying process has made an excellent and pleasant experience on closing. There are many people that makes good business, but you are doing GOOD, while doing business. God bless you and thank you so much!!
Blessings,
Blanca
BEST LOAN OFFICER!!! I had a terrible experience with Nations Reliable Lending. After wasting time, I met Joan Gallardo. He cleaned my credit explaining WITH details what had to be done. He worked day, nights, even on SUNDAYS on getting me approved. Who does that? Just Joan Gallardo!!! I got a 100% financing thanks to Joan. Thanks to Joan my family and I have a place to call a HOME. I recommend everyone to contact JOAN GALLARDO! You will NOT regret it. Thank you Joan!!
