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Down Payment Options



Receive alerts when a real estate change occurs near you!

We take great pride in our ability to recruit, train, and retain the finest quality real estate professionals.

At FM Lending, we have access to virtually every type of loan on the market today:

No Down Payment Options


  • Zero Down Payment (100% Financing)

  • No Monthly Mortgage Insurance

  • Property must be located in a USDA designated area

  • Learn More..

VA - Veterans (Active Duty and Non-Active Duty) and Reservists

  • Zero Down Payment

  • Competitive Interest Rates

  • No Monthly Mortgage Insurance

  • Learn More...


Low Down Payment Options


  • 3.5% Down Payment

  • Gift Funds Allowed (from a relative)

  • 600 Minimum Credit Score

  • Learn More...

North Carolina Housing Finance Agency

  • 3.5% Down Payment with Optional 2nd Mortgage

  • 1st Time Homebuyer Program

  • Learn More...


  • As Little as 3% down

  • Gift Fund from Relatives Allowed

  • Learn More...

Fully Amortizing ARMs & Interest Only Options

  • Provides lower monthly payment at the beginning of the loan

  • Initial fixed interest rate period (3, 5, 7, or 10 years)

  • Interest rate and payment adjust annually after fixed period

  • Interest rate adjustments are capped annually and for the life of the loan

  • Great option for borrowers planning to live in home for just a few years

  • Learn More...


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Location Greater Triangle Fayetteville
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