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100% Financing Home Loan

Buy a Home with No Down Payment

Saving for a down payment can be one of the biggest barriers to homeownership. With our On Your Mark® Mortgage, you may be able to buy a home with 100% financing on your mortgage and no private mortgage insurance (PMI). We’ll help you explore your options, take the next step with confidence, and lower what you bring to the closing table.

Signing New Home Documents

Why Firstmark

A smarter way to get into your first home

You don’t always need a large down payment to become a homeowner. At Firstmark, we offer solutions designed to help more members get started—without waiting years to save.

  • No down payment required
  • No PMI required
  • Limited-time .50% rate discount on select terms 1,2
  • Mortgage experts to guide you through the process
  • Local servicing from start to finish, so that you always know who to call
  • Ask about our Firstmark Preferred Partners for extra discounts on realtor commissions and home insurance products
Moving-Day

Pre-Approval

Start with a pre-approval

The best way to find out if you qualify for 100% financing is to get pre-approved. We’ll review your situation and walk you through your options.

  • Know how much home you may be able to afford
  • Shop confidently and stay ahead by identifying and resolving issues before they become roadblocks
  • Understand what’s included in your mortgage closing costs, so that there are no surprises
  • Strengthen your offer when you find the right home
  • Get pre-approved in as little as 48 hours
Holding-Home-ARM

100% Financing with On Your Mark® Mortgage

Best for: Buyers with limited savings for a down payment

  • No down payment required
  • No private mortgage insurance (PMI) required
  • Fixed rate for predictable monthly payments
  • Loan amounts between $125,000 – $400,000
  • Completion of a financial literacy course required

Including our current .50% rate discount, Interest Rates as low as 7.000% (with a 7.187% APR2,3)

Get pre-approved in as little as 48 hours.

Is a zero-down payment mortgage loan right for you?

This option may be a good fit if you:

  • Don’t have savings for a down payment
  • Have steady income and strong payment history
  • Want to become a homeowner sooner
  • Prefer to keep cash on hand for other priorities

Things to consider:

  • Monthly payments may be higher without a down payment
  • Qualification requirements still apply
  • A financial literacy course is required
Multiethnic couple handshake with consultant at home

Ready to take the next step?

You don’t have to wait years to save for a down payment. Let’s see if 100% financing could be the right fit for you.

Our Mortgage Professionals are ready to help you move forward with confidence.
Give us a call at (210) 308-7821, or fill out the form below.

Financial Wellness

Plan ahead with confidence

Buying a home with no down payment is a big step. These resources can help you prepare, budget, and make informed decisions along the way.

Helpful resources:

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Schedule an Appointment

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