Buy with 10% Down – No PMI (80-10-10)

Buying a home just got more accessible! Our 80-10-10 Conventional Financing is designed for homebuyers who want to keep their down payment low while avoiding private mortgage insurance (PMI). This program is ideal for buyers seeking to purchase their dream home without depleting their savings, including first-time and repeat buyers looking for affordable and flexible financing options.

With 80-10-10 financing, you can purchase primary residences and second homes, requiring only a 10% down payment. The program includes an 80% first mortgage and a 10% second mortgage, leaving no need for PMI. To qualify, you’ll need a minimum credit score of 680, verifiable employment or income, and meet occupancy requirements. This program is available for single-family homes, townhomes, and condos. Whether you’re a first-time or seasoned buyer, this loan option provides flexibility to fit your lifestyle and financial goals.

Want to know how it works? Watch our short video below for a step-by-step breakdown, or click Schedule a Meeting to chat with one of our homebuyer experts at your convenience. We’ll guide you every step of the way to make your home purchase smooth and stress-free.