Zero Down Adjustable-rate Mortgage (ARM)

Want to purchase your home with no down payment or no mortgage insurance? Then our Zero Down ARM is perfect for you.

Save Your Money With A No Down Payment Home Loan

Our Zero Down ARM eliminates the need for a large down payment so you don't have to tap into your savings. 

$0 Down Payment ARM features:
  • Up to 100% Loan-To-Value (LTV)
  • No mortgage insurance option1
  • Fully amortized 3/1 ARM, 5/1 ARM and 7/1 ARM terms available1
  • Loan amounts up to $510,400
  • Competitive interest rates and low initial payments
  • Interest may be tax deductible (please consult your tax advisor)

We are here to help you open your home loan or find the right option to fit your needs. Give us a call at (877) 495-1600 or apply online today.

View Rates

0% Down with Mortgage Insurance or without Mortgage Insurance

Terms Terms 3/1 ARM, 5/1 ARM, 7/1 ARM1
Mortgage Insurance Mortgage Insurance No Monthly Insurance
Down Payment Down Payment 0%
Loan Amounts Loan Amounts $510,400
Loan Transaction Type Loan Transaction Type Purchase, Primary Residence, Single Family Residence
Credit for Closing Costs Credit for Closing Costs Lender credit not available. Seller credit allowed
Special Requirements Special Requirements First Time Home Buyers that have not owned a property in the past 3 years.

0% Down with Mortgage Insurance or without Mortgage Insurance

0% DOWN WITHOUT MORTGAGE INSURANCE 0% DOWN WITH MORTGAGE INSURANCE
Terms 3/1 ARM, 5/1 ARM, 7/1 ARM1 7/1 ARM2
Mortgage Insurance No Monthly Insurance Lower than standard premium
Down Payment 0% 0%
Loan Amounts $510,400 $701,500 in San Diego County. Loan amounts vary by county.
Loan Transaction Type Purchase, Primary Residence, Single Family Residence Purchase, Primary Residence, Single Family Residence
Credit for Closing Costs Lender credit not available. Seller credit allowed Lender credit not available. Seller credit allowed
Special Requirements First Time Home Buyers that have not owned a property in the past 3 years. Available to existing home owners as well as First Time Home Buyers. 1% borrower contribution.

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APR=Annual Percentage Rate. Rates and terms as of 10/01/2020 based on credit history, subject to credit approval, and subject to change without notice. Loans over 80% LTV require mortgage insurance. Payment examples do not include property insurance and taxes, and the payment will be higher than disclosed payments. Loans are available for second homes and investment properties in CA at different rates and terms. Membership and credit subject to approval. Serving everyone who lives or works in San Diego or Riverside counties. A one-time $5 membership fee and savings account required. Cannot be combined with any other offer. Restrictions apply. 

  1. Payment examples are based on a purchase price of $350,000 with 0% down (100% LTV) and a $350,000 loan on a single-family, owner-occupied home with a 30-year term. 3/1 ARM with a rate of 3.500% has an APR of 5.165% and has monthly payments of $1,571.66. 5/1 ARM with a rate of 3.75% has an APR of 4.989% and has monthly payments of $1,620.90. 7/1 ARM with a rate of 4.125% has an APR of 4.957% and has monthly payments of $1,696.27. This payment example does not include property insurance and taxes, and the payment will be higher than this disclosed payment.
  2. Loans over 80% LTV require mortgage insurance. Payment examples are based on a purchase price of $500,000 with 0% down (100% LTV) and a $500,000 loan on a single-family, owner occupied home with a 30-year term. 7/1 ARM with a rate of 3.875% has an APR of 5.441% and has monthly payments of $2,726.19 inclusive of mortgage insurance. This payment example does not include property insurance and taxes, and the payment will be higher than this disclosed payment.

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