$0 Down Payment No PMI Not VA-Exclusive

Buy Your Home
with 100% Financing.

No down payment. No private mortgage insurance. No VA requirement. Just a real loan program that puts Sacramento-area buyers in homes — starting day one.

See If I Qualify → Takes about 60 seconds
$0
Down payment required
Typical programs require 3–20%
$0
Monthly PMI premium
PMI typically adds $80–$160/mo
All
Qualified buyers welcome
Not limited to veterans or military
The Program

What makes this different

Most buyers assume they need 5–20% saved before they can buy. This program eliminates that barrier — with no hidden catches in your monthly payment.

Zero Down Payment

Keep your savings. The down payment is handled through a specialized program offered by Anthony's lending partner — a legitimate first-mortgage structure, not a grant or gift.

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.

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 100% financing 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

The down payment is $0. Closing costs are a separate item — some programs allow sellers to cover them, and Anthony will walk through your options when he calls. No surprises.
FHA requires 3.5% down and charges a mortgage insurance premium for the life of the loan. This program requires $0 down and has no monthly PMI — two significant differences in upfront cost and ongoing payment.
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.