Zero down.
Real path.
The flagship program for buyers who think they cannot buy: qualified buyers can potentially buy with zero down payment, no closing costs, and even a rate buy-down. This page is built for buyers who do not have a pile of cash to close. To get the program details and see if you qualify, fill out the form on this page and have a conversation with the lender.
Three ways the
numbers change
Zero down is really three different pieces working together, and not everyone gets all three. The lender conversation sorts out which ones apply to you.
Zero down payment
Qualified buyers can buy with no down payment at all, so the barrier that stops most first-timers is gone. Your savings stay yours.
No closing costs
Depending on the program and the offer, your closing costs can be covered too, so the cash you need to close can drop dramatically.
Rate buy-down
Some programs include a rate buy-down, which lowers your monthly payment in the early years. Less payment pressure from day one.
Built for buyers
without the cash
This program exists for the buyers who always assumed homeownership was out of reach because they do not have a big down payment saved up. If you are tired of renting, your rent keeps climbing, and the only thing in the way is the cash to close, this is the conversation to have.
Qualification matters: zero-down programs depend on the lender's review of your income, credit, and the home you choose. That is why the program details live behind a conversation, not a brochure. Fill out the form, talk to the lender, and find out what is real for you.
This is for you if
- You have little or no down payment saved
- You worry about closing costs
- You have steady income and decent credit
- Rent is eating more of your paycheck every year
Three steps to
your answer
01
Fill out the form
Tell Kelly a little about your situation on the form below. That is the only way to get the program details.
02
Talk to the lender
Kelly connects you with his lender partner, who reviews your numbers and tells you which zero-down options fit.
03
Get qualified and shop
Once you know your number, Kelly builds your search and your offers around it, including new construction where incentives stack up.
Selling your current home too? The 25% Buyer Agent Commission Gift stacks with this program: sell with Kelly, buy your next home with him, and he gifts 25% of his buyer agent commission at closing. Zero down plus a closing gift is about as good as the move gets.
Real program.
Real qualifications.
What qualification means
Zero-down options depend on your income, your credit, the loan program, and the home you choose. Not every buyer qualifies for every option, which is exactly why the details come from a conversation, not a promise on a website.
What zero down does not mean
Zero down does not mean zero cost. Budget for reserves and make sure the monthly payment fits your life. The lender conversation lays out the full picture so there are no surprises at closing.
Straight answers
Can I really buy a home with zero down payment?
Qualified buyers can potentially buy with zero down payment, no closing costs, and even a rate buy-down, depending on the program and the lender. The catch is qualification: to get the program details and see if you qualify, you fill out the form on this site and have a conversation with the lender.
How do I find out if I qualify?
Fill out the form on this page. Kelly will connect you with his lender partner, who will review your numbers and tell you which zero-down options actually fit your situation.
Does zero down mean I need no money at all?
Not necessarily. Some programs cover the down payment and closing costs, but every buyer should still be ready for reserves and the honest monthly payment picture. The lender conversation lays all of that out before you commit to anything.
Does this work with new construction?
Yes. New construction builders often add incentives like closing cost credits and rate buydowns on top of a zero-down approval, and Kelly makes sure you bring representation to the first visit.
Deep dive on the blog: Can you buy a home with zero down?
Get the details.
See if you qualify.
Program details and qualification live behind one step: the form. Fill it out and Kelly will connect you with his lender partner for a conversation about what is possible for you.
Prefer to talk now? Call 407-832-6604 and Kelly will get the lender conversation started.
Book a call
See If I Qualify
Share your situation and Kelly's lender partner will reach out to review your zero-down options.
Zero down. No cash to close? Get the talk.
Zero down payment, no closing costs, potentially a rate buy-down, plus the 25% gift if you sell and buy with Kelly. Fill out the form and talk to the lender.
Realtor · SL3352000 · eXp Realty · Central Florida