Making dreams come true with low or no down payment mortgages!    There are still No Down Payment loan programs available, namely USDA (rural housing) and VA (Veterans Affairs).   We don't think that saving for a down payment should be the reason you put your dreams on hold. We can help you buy your dream home with a low down mortgage loan. You'll not only be able to afford a home sooner, you'll probably be able to afford more home. With a low down mortgage, the amount of loan you can qualify for is determined by your ability to make your monthly payments rather than how large a down payment you've saved. And, for most buyers, this means qualifying for a larger loan.    Buying a home is something we all dream about, usually for years. You may have saved money for a down payment, but just don't have enough to buy your dream home. If that's the case, a piggyback loan may be the best option for you. Different than a low down mortgage, a piggyback loan is actually two mortgages. The first mortgage is for 80% of the purchase price. The "piggyback" loan (or second mortgage) covers the shortfall between the purchase price and your down payment savings.   For some people it can be tricky to apply for and structure a low down payment program. It’s important that the mortgage person, the real estate agent and the title and escrow company that you choose be knowledgeable about the low down payment organizations. At Pacific Finance Group, our team of experts has the experience and know how to put these low down payment loans together for you. Rich Rano, your loan specialist is here to help you with the entire process.    Let us help you explore all your mortgage options. We look forward to helping you!