Zero Down

Mortgage Planning Specialist

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Zero Down

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Zero Down

"I specialize in helping individuals like you and families like yours find, qualify for, and own the home of their dreams with little or no money down, even with less than perfect credit"

www.mortgageplanningspecialist.com -Joe Vlasek

Zero down programs allow you to buy your home now, instead of waiting to save enough for a down payment.

There are several options available for buying a home with zero down.

Get one new loan at 100 percent loan-to-value (LTV). We have several government sponsered programs at excellant rates and costs available. PMI* is usually required, but is included in your montly payment.
Get an 80 percent first loan and a 20 second (piggy-back or 80/20) loan. This program does not require PMI, and all interest is tax deductible.
Get a new first loan and have the seller carry back a second loan for the balance of the purchase price.

Some zero down programs will even allow you to add the closing costs into your loan.

Your Mortgage Planning Specialist will be happy to explain this option to you, and how it affests your overall financial plan.

*PMI is an additional charge you pay if you make less than a 20 percent down payment. This insurance policy protects the lender in the event of a payment default or foreclosure, and the loan is not paid off in full. Please contract your Professional Mortgage planning Specialist at Colorado Springs Mortgage for a complete explaination and details of cost.

Colorado Springs Mortgage - 5555 Erindale Drive Suite 103 - Colorado Springs, CO 80918
Office Phone: (719) 548-8144 Fax: (719) 548-1145 Toll Free Phone: (888)-242-8572
Direct: (719)-785-1142

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We lend in the following states: CO & KS.