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Down Payment Options



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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

  • 2% Guarantee Fee Financed

  • Income Limits

  • Property must be located in a USDA designated area

  • Competitive Rates

  • Seller can pay closing costs

  • Learn More..

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

  • Zero Down Payment

  • No Income Limits

  • Competitive Interest Rates

  • Loan Amount up to $417,000

  • No Monthly Mortgage Insurance

  • VA Funding Fee Financed

  • Learn More...


Low Down Payment Options


  • 3.5% Down Payment

  • Gift Funds Allowed (from a relative)

  • Competitive Interest Rate (similar to conventional interest rates)

  • Seller can pay closing costs (up to 6%)

  • Appraisal, processing and closing similar to a conventional loan

  • 620 Minimum Credit Score

  • No Income Limits

  • Learn More...

North Carolina Housing Finance Agency

  • 3.5% Down Payment

  • Below Market Interest Rates

  • 1st Time Homebuyer Program

  • Reduced Mortgage Insurance Premium

  • Income and Sales Price Limits

  • Learn More...

5% Down (Conventional)

  • 5% Down Payment from borrower’s own funds

  • No Income or Sales Price Limits

  • Seller can pay up to 3% in closing costs

  • No Geographical Restrictions

  • Loan Amount up to $417,000

  • Learn More...

Low Mortgage Payment Options

Fully Amortizing ARMs

  • 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

  • Down payments as little as 5%

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

  • Learn More...

Interest Only

Temporary Buydown

  • Monthly payment is interest only which provides a lower monthly payment option

  • Interest Only ARM options have an upfront period where the interest rate is fixed and interest rate adjustment caps annually and for the life of the loan

  • Interest Only fixed rate option available

  • Great option for borrowers earning commission income or periodic bonuses who want a low monthly payment with the flexibility of paying larger amounts of principal periodically

  • Up to three years with a below market interest rate

  • Lower initial payments for first few years

  • After the buydown period, the interest rate is fixed and principal and interest payment won’t change

  • Buydown cost can be paid by the seller

  • Great option for borrowers whose income will be increasing over the first couple of years of the mortgage

  • Learn More...




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