SPECIAL LOAN PROGRAM - AVAILABLE IN 48 STATES
Own Your Home With
Zero Down Payment
✓ Real loan program funded by a major U.S. bank - not a grant or gimmick.
Matt is a licensed real estate broker, not a lender — he refers clients to the lender and assists with the process, and receives no referral fee or compensation from the lender.
No Down Payment
No Lender Closing Costs
No PMI
No Minimum Credit Score Required
Fixed Rate Mortgage
No Income Limits
Previous Homeowners Welcome
You have nothing to lose, except your Landlord!
STOP Buying your landlord's home for them! Invest in your family's future TODAY!
Your payment could be LESS than RENT!
The Program
How This Program Works
It's not magic — it's a real lender program designed to give more buyers a path to homeownership, including buyers who may not fit traditional lending guidelines.
No Down Payment
The lender simply requires no down payment and pays your lender closing costs — you don't need TENS of thousands saved to get started.
Flexible Qualifying
Most lenders rely on your credit score, but this program looks at your overall payment history — especially rent — rather than a single number, so more buyers can qualify.
No Income Limits*
There are no income caps or restrictions — this program is open to buyers at any income level. Your income level and where you buy determine which rate you receive.
No Location Limits
If you make under the median income for the area according to the FFIEC maps you can buy in any location!
Seller Contributions
Your closing costs are paid by the lender — and if the seller agrees, they can contribute toward a permanent rate buydown that further lowers your monthly payment.
Purchase & Rehab
Finance home repairs and renovations as part of your purchase. Repair costs roll in with no payments during the 6-month renovation period.
Eligibility
You May Already Qualify
This program has a proven track record of consistently helping people that traditional lenders have turned away. If any of these apply to you, there's still hope.
Check My EligibilityHad a bankruptcy or foreclosure
No credit score or low credit
Previously owned a home
Self-employed or gig worker
First-time homebuyer
Currently renting
Received Section 8 / housing vouchers
Been told "no" by other lenders
Your Journey
Your Path to Homeownership
A proven process that has helped hundreds of families buy homes.
Attend the FREE online homebuyer workshop (~3 hours, self-paced)
Upload documents to your Webfile
Meet with your loan officer online or face to face
Complete your Full manual underwrite
Find your home and sign a Purchase & Sale contract
Lender application & mortgage processing
Close on your new home!
Your Agent
Matt Ghazarian
Associate Broker · Top Producing Realtor® since 1990 · eXp Realty
With 35+ years of SERIOUS SERVICE, Matt is a passionate advocate for all of his clients and a creative financing expert. He has helped hundreds of families achieve homeownership when others failed.
Matt serves clients across all 50 states and countries around the world, working hand in hand with eXp Realty associates and referring clients to appropriately licensed local agents where required.
Ready to Own Your Home?
Take the first step today. Find out in minutes if you qualify for this exclusive no down payment program.
No credit pull - No obligation - FREE homebuyer workshop included