No PMI Loan 100% Financing Available Not VA-Exclusive

Buy Your Home
with a No PMI Loan.

Avoid private mortgage insurance and keep more room in your monthly budget. This loan program may also allow qualified Sacramento-area buyers to purchase with no down payment, without VA-only requirements.

See If I Qualify → Takes about 60 seconds
$0
Monthly PMI premium
PMI typically adds $80–$160/mo
100%
Financing may be available
For qualified buyers
All
Qualified buyers welcome
Not limited to veterans or military
The Program

What makes this different

Most buyers focus on the down payment, but PMI can quietly raise the monthly cost. This program is built around no monthly PMI, with 100% financing available for qualified buyers.

No PMI — Ever

PMI typically adds $80–$160 per month. This program eliminates it entirely — real money back in your budget, every month for the life of the loan.

100% Financing Available

Qualified buyers may be able to purchase without a traditional down payment through a specialized program offered by Anthony's lending partner.

Open to All Buyers

No VA status, no military background, no special occupation. Just standard income and credit qualification — and Anthony to guide you through it.

Loan Officer: Matthew Cole

NMLS# 633188. A California-licensed mortgage loan officer who specializes in programs most buyers don't know exist. Anthony has done the vetting.

Process

Three steps to your keys

01

Fill in the form

60 seconds. Name, phone, email, and your timeline. No SSN, no credit pull — just basic contact info.

02

Anthony calls you

Usually within a few hours. He'll ask a few quick questions and walk through whether the program is a fit for your situation.

03

You get connected

If it's a fit, Anthony introduces you to the lender. They handle the paperwork. You focus on finding the right home.

Your Team

Backed by people who've done this

Your Agent

Anthony Vargas

AVJ Real Estate · One Realty Group · Sacramento, CA
EN · ES 7+ Submarkets Local Sacramento

Covers Sacramento, Davis, Roseville, Folsom, Land Park, Midtown, Carmichael, and East Sacramento. His job is making sure the deal closes and that you understand every step.

DRE# 02232535

Your Lender

Matthew Cole

Mortgage Loan Officer
NMLS# 633188

Anthony's preferred lender for the no-PMI loan program. Matthew handles the loan application, qualification, and approval — Anthony makes sure you actually get to closing.

Apply

Find out if you qualify

No credit pull. No obligation. Quick form — and Anthony calls you within a few hours.

By submitting, you agree to be contacted by Anthony Vargas (AVJ Real Estate, DRE# 02232535) and Matthew Cole (Mortgage Loan Officer, NMLS# 633188) about this loan program. No credit inquiry will be made without your explicit consent. This is an advertisement.

AVJ Assistant
Powered by Anthony's pre-qual script

You're all set

Anthony will be in touch within a few hours to walk through next steps with the lender.

Questions

Common questions answered

Yes. The main benefit is no monthly private mortgage insurance. 100% financing may also be available for qualified buyers, but closing costs are separate and Anthony will walk through those options when he calls.
FHA charges a mortgage insurance premium that can stay for the life of the loan. This program is built around no monthly PMI and may also allow 100% financing for qualified buyers.
Matthew Cole, our lending partner, has flexible qualifying guidelines for this program. Rather than give a number that may not reflect your situation, submit the form and Anthony will have a straight answer on the call — no credit pull until you authorize one.
Anthony primarily serves greater Sacramento — including Sacramento, Davis, Roseville, Folsom, Elk Grove, Carmichael, and surrounding communities. Matthew Cole originates loans in California. Anthony will confirm coverage on the call.
No. Submitting this form does not trigger a credit inquiry of any kind. A credit pull only happens later — and only with your explicit written authorization.