Choosing one of our $0 Closing Cost loan programs when refinancing allows you to save money on your new mortgage immediately. No longer do you have to worry about recovering the cost of closing your new mortgage.

If you decide to go with a $0 Closing Cost purchase loan, you will save hundreds (if not thousands) at closing. You can use this money toward moving expenses, purchases that come with moving into your new home, or choose to put down a larger down payment.

Does $0 Closing Costs really mean $0 Closing Costs?

ABSOLUTELY! When we say $0 Closing Costs, we mean it will not cost you one penny! Any costs occurred during your loan transaction either from us, one of our lenders, or a third party vendor will be covered. This will include attorney fees, title insurance, recording fees, processing fees, underwriting fees, appraisal fees, wiring fees, tax service fees, courier fees, document prep fees, flood certification, and credit report fees.

What is not covered?

Prepaid items such as homeowners insurance and property taxes are not covered. In some cases, if you have a home equity line that you leave open, your current bank or lender might charge you a subordination fee. We do not cover this expense.

How do I qualify?

The easiest way to find out if you qualify for one of our $0 Closing Cost loan programs is to go to Purchase or Refinance and fill in the appropriate information.

Here are some tips…our $0 Closing Cost loans are generally offered starting at loan amounts $125,000 and up. Some of our adjustable rate mortgages require larger loan amounts. $0 Closing Cost loans are offered on conventional loans only and require a credit score of 650 or better.