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Meet Bill Rapp
NMLS ID # NMLS # 228246
William Rapp, based in Houston, TX, US, is currently a Capital Advisor at Medallion Funds, bringing experience from previous roles at eXp Commercial, NEXA Mortgage, Viking Enterprise LLC and Sun Realty - Houston. William Rapp holds a 1997 - 2001 BBA in Finance @ Texas A&M University. With a robust skill set that includes REO, Sellers, SFR, FHA financing, Reverse Mortgages and more, William Rapp contributes valuable insights to the industry.
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Great experience purchasing our first home! Bill was easy to reach and always able to answer any questions or concerns.
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💰 Zero Down Loan Programs in 2025: Still Possible for Homebuyers? 🏡
💰 Zero Down Loan Programs in 2025: Still Possible for Homebuyers? 🏡
🏠 First-Time Buyers Guide: Are Zero Down Mortgages Still Available in 2025? 💸
💰 Zero Down Loan Programs in 2025: Do They Still Exist?
Buying a home without a down payment sounds like a dream—but in 2025, is it still possible? With rising home prices and changing mortgage guidelines, many buyers are wondering if zero down loan programs are still around. The good news: they do exist, but qualifying depends on your situation.
✅ What Is a Zero Down Loan Program?
A zero down loan allows homebuyers to purchase a property without making the traditional 3%–20% down payment. Instead, the financing covers 100% of the purchase price. While rare, these programs remain valuable options for buyers who qualify.
🏠 Zero Down Options in 2025
1. VA Loans (Veterans Affairs)
o Available to veterans, active-duty service members, and some surviving spouses.
o 0% down, no private mortgage insurance (PMI).
o Flexible credit score requirements.
2. USDA Loans (U.S. Department of Agriculture)
o For rural and some suburban buyers.
o 0% down with income and property location eligibility.
o Low mortgage insurance costs compared to FHA loans.
3. Down Payment Assistance (DPA) Programs
o State and local programs may cover your down payment or closing costs.
o Some lenders combine these with FHA or conventional loans.
4. Doctor & Professional Loans
o Specialized programs for doctors, dentists, and certain professionals.
o Often allow 0%–5% down with higher loan limits.
⚖️ Pros and Cons of Zero Down Loans
Pros:
· Keep more cash in savings.
· Become a homeowner sooner.
· Programs often have competitive interest rates.
Cons:
· Higher monthly payments compared to loans with larger down payments.
· May require stricter income or property qualifications.
· Limited availability based on profession or location.
💡 Is Zero Down Right for You?
Zero down loans in 2025 can be a game-changer, especially for first-time buyers, veterans, or professionals like doctors and dentists. However, it’s important to compare loan options and consider your long-term financial goals.
👉 Working with a mortgage broker gives you access to multiple programs, including VA, USDA, and DPA options. With the right guidance, you can find out if a zero down loan is the right move for your home purchase in 2025.
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Copyright ©2021 | Mortgage Viking Team
Licensed to Do Business | NMLS # 228246
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Copyright © 2021 | Medallion Funds
Corporate | NMLS ID NMLS # 1825831
Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014
Corporate NMLS NMLS # 1825831 | Company Website: https://medallionfunds.com/bill-rapp/
Copyright ©2021 | Mortgage Viking Team Licensed to Do Business | NMLS # 228246
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply
Corporate | NMLS ID NMLS # 1825831
Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014 https://medallionfunds.com/bill-rapp/
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