100% Financing

No Down Payment and 100% Financing Loan*

Our 100% home loan program makes homeownership more accessible for those ready to purchase their first home. With no down payment required for qualified borrowers, you can take the next step toward homeownership without having to wait years to save for a down payment.

Our experienced mortgage loan professionals will guide you through the process every step of the way, answer your questions, and help make your home-buying experience as simple and stress-free as possible.

There’s no reason to put your dream of homeownership on hold. Contact our team today to learn if you qualify for 100% financing and take the first step toward owning your home.

Here’s how 100% financing works:

• No private mortgage insurance is required.
• Taxes and insurance must be paid separately and are the responsibility of the borrower.
• The mortgage stays with O Bee. We do all the servicing and underwriting, so closing time is much faster than usual (about 45 days).
• Closing costs can be paid by seller, or with monetary gift funds.*

Options on Down Payments 
Everyone comes to the home buying process with differing circumstances. If you are able to fund a down payment, depending on the home loan, we have options that allow down payments with as little as 3%, 3.5%, or 5% down. You could maximize your savings with a lower down payment that will leave more in your pocket. We can help along the way, so you’ll know all the right steps to take as you start the home loan process.

If you have always wanted a home of your own, now is the time. Contact one of our mortgage loan professionals today to take the first step in making your dream come true.

Take the Steps to Home Ownership

If you’re a first-time home buyer, make time to visit with an O Bee Home Loan Professional. Our mortgage professionals can provide insight, information, and straightforward guidance on the process of purchasing your first home, from outlining one-time costs and ongoing costs, to explaining ways to improve your credit rating and preparing for the actual loan application. Our mortgage department offers excellent rates and very low closing costs. 

Ask Us About:

• Step by step help with the mortgage process
• One-time costs vs. ongoing costs
• USDA, VA and FHA financing
• The importance of your credit rating
• How to improve your credit rating
• Preparing for the loan application
• Low rates and closing costs
• Qualification for a "no down payment" loan
• Down Payments with as little as 3%, 3.5% or 5% down.

Contact a Mortgage Professional

*Restrictions may apply. Subject to credit approval. Owner Occupied in Washington State only. Loan is based on maximum purchase price of $500,000. Seller paid closing costs are limited to 3% of the sale price and gift funds must not be in the form of a loan. Taxes and insurance must be paid separately. Loans are subject to underwriting guidelines. 100% financing promotion, programs, rates, terms, and conditions are subject to change without notice. Please see your mortgage loan officer for more details. Equal Housing Opportunity.