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30 year fixed rate mortgage 6.75% interest rate, 7.65% annual percentage rate.

Realty Advisors

Guaranteed Home Sale

226 S. Union Ave. Suite 207
Pueblo, CO 81003
719-425-9000

Phil McDonald, Managing Broker License No. 40009237

Get a Mortgage With Zero Down Payment:

 

Buy a House in Pueblo – No Down Payment Mortgage Loan

 

With rising house prices saving a downpayment for a house is difficult.  A home loan mortgage with zero down payment allows you to begin your house buying endeavor right now.  Find a Pueblo area home to buy with a no down payment mortgage on this page.  Select your desired monthly payment to see the houses for sale in Pueblo with zero-down and a payment monthly that fits your budget.

A zero-down home loan is not limited to only Pueblo First Time Home Buyers but is available to all homebuyers in Pueblo.  If you are a Pueblo first-time home buyer or a homebuyer in Pueblo who has previously owned a home a zero down payment mortgage is available.

 

 

Zero Down Payment
Under $1,000 Monthly

22 Results
3
Beds
2
Baths
1,188
SqFt
 
 
#216611 | House
 
1
Beds
1
Baths
656
SqFt
 
 
#213674 | House
 
3
Beds
2
Baths
1,568
SqFt
 
 
#219671 | House
 
© 2024 Pueblo Association of REALTORS®. All rights reserved.
The data relating to real estate on this website comes in part from the Internet Data Exchange (IDX) Program of the Pueblo Association of REALTORS®. IDX information is provided exclusively for consumers' personal non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All Information Is Deemed Reliable But Is Not Guaranteed Accurate.
PAR-MLS data last updated at February 25, 2024 6:25 PM MT

No Down Payment Mortgage
Monthly Payment From $1,000 to $1,500 

40 Results
3
Beds
2
Baths
1,080
SqFt
 
 
#219252 | House
 
2
Beds
1
Baths
828
SqFt
 
 
#220320 | House
 
2
Beds
2
Baths
1,265
SqFt
 
 
#219769 | House
 
© 2024 Pueblo Association of REALTORS®. All rights reserved.
The data relating to real estate on this website comes in part from the Internet Data Exchange (IDX) Program of the Pueblo Association of REALTORS®. IDX information is provided exclusively for consumers' personal non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All Information Is Deemed Reliable But Is Not Guaranteed Accurate.
PAR-MLS data last updated at February 25, 2024 6:25 PM MT

We Make 100% Financing Easy

“I have seen the frustration and hopelessness people experience when they have been told by a lender or agent that they needed a large down payment, perfect credit or other requirements which may seem out of reach. For over 20 years I have been helping clients purchase a home with zero down payment and have watched that frustration and hopelessness become pride and accomplishment.”

That fact is that purchasing a home with no money down and no closing costs is easy when you know how to get it done. I would like for you to enjoy the peace of mind and satisfaction my real estate clients experience when they trust me to be their real estate agent.”

Phil McDonald

No Money Down Home Loans

Monthly Payment From $1,500 to $2,000 

71 Results
2
Beds
1
Baths
817
SqFt
 
 
#218404 | House
 
3
Beds
2
Baths
1,456
SqFt
 
 
#218547 | House
 
2
Beds
1
Baths
720
SqFt
 
 
#220177 | House
 
© 2024 Pueblo Association of REALTORS®. All rights reserved.
The data relating to real estate on this website comes in part from the Internet Data Exchange (IDX) Program of the Pueblo Association of REALTORS®. IDX information is provided exclusively for consumers' personal non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All Information Is Deemed Reliable But Is Not Guaranteed Accurate.
PAR-MLS data last updated at February 25, 2024 6:25 PM MT

3 Easy Steps
to
Buying Your New Home

Call Us
Get Approved
Find Your Home

Zero Down Home Loan
Mortgage Options From $2,000 to $2,500 Mo.

87 Results
3
Beds
2
Baths
1,150
SqFt
 
 
#220353 | House
 
5
Beds
3
Baths
1,876
SqFt
 
 
#216368 | House
 
3
Beds
2
Baths
1,400
SqFt
 
 
#220368 | House
 
© 2024 Pueblo Association of REALTORS®. All rights reserved.
The data relating to real estate on this website comes in part from the Internet Data Exchange (IDX) Program of the Pueblo Association of REALTORS®. IDX information is provided exclusively for consumers' personal non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All Information Is Deemed Reliable But Is Not Guaranteed Accurate.
PAR-MLS data last updated at February 25, 2024 6:25 PM MT

$0 Downpayment Mortgage
From $2,500 to $3,000 Per Month

71 Results
3
Beds
3
Baths
1,613
SqFt
 
 
#219497 | House
 
3
Beds
2
Baths
966
SqFt
 
 
#218853 | House
 
3
Beds
2
Baths
1,474
SqFt
 
 
#218574 | Condo
 
© 2024 Pueblo Association of REALTORS®. All rights reserved.
The data relating to real estate on this website comes in part from the Internet Data Exchange (IDX) Program of the Pueblo Association of REALTORS®. IDX information is provided exclusively for consumers' personal non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All Information Is Deemed Reliable But Is Not Guaranteed Accurate.
PAR-MLS data last updated at February 25, 2024 6:25 PM MT

Zero Down Payment Mortgage Approval

Get pre-qualified to buy your first home with down payment assistance by just answering a few questions. No credit check, no social security number requested. Our website is secured and the information you provide is confidential. We never share your information with any other party. Here is a link to our privacy policy.


What Others Have to Say!

Every time I have utilized the services at Realty Advisors, I found them to be knowledgeable, professional and customer centric. I will never use anyone else for my real estate transactions.
Deb Wadsworth

Phil is very knowledgeable in the real estate market. He is willing to work with you and gives many options. We have done 9 deals through him and would not consider using anyone else.
Karen Guyette

Phil was amazing throughout the process of selling our townhome and the purchase of our new home. He checked in with me to make sure I was doing ok, if I had questions, and explained things when I didn’t understand. Highly recommend!!!
Cassandra Farrell

I called Realty Advisors and within three days I was approved. The next day Phil McDonald was showing me properties and I was making an offer. Phil made the whole process a breeze.

Real full testimonial

I took the flyer from the door, noting that it was a real estate flyer. “Yeah, like I would ever be able to afford my own home.” I tossed it on my desk and later as I waited for a document to upload, I picked up the real estate flyer and looked at it. Suddenly, I sat up and scanned it intently. Two of the payments shown were less than my rent, so I thought maybe I could qualify since I pay more than that in rent.

I called Realty Advisors and within three days I was approved. The next day Phil McDonald was showing me properties and I was making an offer. I made two offers which were not accepted, and my third offer was accepted.

Phil made the whole process a breeze. From the moment I made an offer to the day of closing, he kept everything on track. I am grateful for a home that is closer to work and $300 a month less than my rent payment. I have the benefits of a tax deduction and a community with all the outdoor activities I enjoy.

Carol Bonner

Important Information

Just in case you missed this information in our “Nitty-Gritty” section above or your browser did not display the drop-down information we are including this information again here in this section.  It is important to know the facts behind everything presented on this site so that you know that this is the real deal.  Here are the facts…

Payment Details

The monthly payments shown are based on the asking price of homes and reflect the total monthly mortgage payment for the home purchased with no down payment. This includes loan principal, interest, county property taxes, hazard insurance and mortgage insurance premium. This is everything, this is your total monthly payment. Some properties, such as condominiums and townhouses may have HOA dues which are additional and not included in the estimated payment. Property taxes and hazard insurance are paid once each year and the monthly mortgage payment includes 1/12 of the annual payment.

Be cautious of online mortgage calculators and other online monthly payment information which  often significantly understate a monthly payment by only showing the principal and interest portion of a monthly payment

Loan Details

The loan is a 30-year fixed-rate mortgage, your rate will never change. Payments are based on the interest rate and annual percentage rate displayed in the header of this page.  Several down payment assistance programs allowing for $0 down payment are available. Based on income, credit, mortgage history or no mortgage history, and property location you may qualify for a program with a lower interest rate.  Rates used for estimating monthly mortgage payments are based on CHFA down payment assistance with an FHA loan. Mortgage rates change daily, and rates may be different when you buy a home.  

Property Details

All the homes you see on our website are active listings available to buy. Mortgage loan programs and down payment assistance programs have minimum property standards and requirements. Homes in poor condition will not meet the program’s minimum property requirements and do not qualify for zero-down financing.

Minimum Property Standards refer to the functional utility of a property with minimum standards for property systems and functional rooms.  These standards extend to house style and other broader elements when applied to non-typical structures.  Minimum Property Requirements refer to the condition of a property and involve items that affect the safety, security, and soundness of a property and the health and safety of the occupants.  A property in average condition often meets Minimum Property Requirements.

Our Real Estate Agency Has Mortgage Financing Expertise

Buying a home can feel like an overwhelming process, and the costs associated with it don’t make it any easier. When it comes to financing a home with zero money, we are industry experts and can show you how to secure the best mortgage specific to your goals.

There are numerous mortgage options with varying rates and down payments required. For those with little to no savings for a down payment, zero down and low-down-payment loans, such as CHFA, FHA mortgages, Conventional, a USDA loan, or a VA loan, are available. It’s important to consider the long-term costs, including closing costs, loan rates, and insurance rates when selecting a loan. Lender programs are available to pay zero-down and zero closing costs. When zero is your down payment the financial barrier to owning a home is removed.

An average credit score, low debt, proof of identity, and employment are key factors in securing a mortgage with a favorable loan rate. Don’t let the cost of a home deter you from pursuing homeownership – explore all of your mortgage options and finance with a lender who specializes in the mortgage loan type you are seeking to find the best financial fit for you.

Mortgage Calculators

When it comes to making big financial decisions like securing a mortgage, having the right tools at your fingertips can make all the difference. That’s where a mortgage calculator can come in handy. With just a few clicks, you can get a personalized review of what you can afford and what your monthly payments might look like. And the best part? You can feel confident knowing that the information you’re getting is backed by the latest data and industry expertise. Whether you’re a first-time homebuyer or an experienced homeowner looking to refinance, a mortgage calculator is the perfect match for personalized financial planning. Just plug in your purchase price, down payment, and score to see your monthly payment as a homeowner.

Explore Current Inventory of No Money Down Homes: Areas of Pueblo

How Does This Loan, Mortgage, Credit Score, and Lending Stuff Work?

A mortgage is a home loan which is the type of loan unique to financing a house or residential property.  A loan made for a commercial property is also a mortgage but is not a home loan, it is a commercial loan.  In the context of purchasing a home, we are talking about a home loan.  Here is why that matters.

The residential mortgage industry is consolidated among a handful of government agencies and government-sponsored enterprises.  The names may sound familiar: FHA, VA, USDA, Fannie Mae, Freddie Mac.  These organizations are responsible for almost all home loans made to borrowers.  They create the requirements for loans approved under each of the loan programs they develop.

The many residential mortgage companies operating as a local business are essentially originating loans or servicing loans on behalf of these organizations.

 

 Residential Mortgage Consortium?

A handful of organizations controlling all the loans and the entire residential mortgage industry, might not sound comforting on the surface, but in this case, it is a very good thing.  This provides uniformity in mortgage loans and consistency in the residential mortgage industry.  Loan products are the same from one mortgage lender to another with the same loan guidelines for a specific loan program. This creates a very efficient residential mortgage market.

Commercial Real Estate

Now, in contrast, commercial real estate loans are commercial loans made by banks and while they are all regulated, each bank has its own lending criteria when evaluating a loan.  While looking for a loan to purchase a commercial property a buyer could go to ten different banks and would get ten different answers, We would not have a very efficient residential mortgage industry generating home loans if the same were true for residential mortgage loans.

Getting a Loan to Buy a House is Easy

Here is how all this affects you today while buying a new home and getting a home loan. The residential loan programs are consistent nationwide and readily available.  Every lender knows what is required for a borrower to secure a loan and getting a loan to buy a house is very easy as a result.  A down payment assistance program is often administered at a local or state level. 

 All Designed for You to Buy a House

The loan programs administered by these lending organizations are all designed to provide loans to promote homeownership.  As a result, these loan programs are targeted to address a need.  The first-time homebuyer program is designed to eliminate equity or the down payment as an obstacle to homeownership.  There are even a bunch of rules and regulations lenders need to follow which are designed to promote homeownership.  The government offers tax credit incentives to promote homeownership.

 Your Government and Community Wants You to Buy a House

The government really wants you to own a home and has built a massive industrial complex to make that happen.  All you need to do is Book an Appointment with us using the link below and we will navigate through all your options and make sure you get the best possible loan and buy the best possible home.  Book an Appointment, everybody is counting on you to buy a house so let’s do this.

 

Great Opportunity for Pueblo First-Time Home Buyer

Colorado Housing
Under $1,000 Per Month

Pueblo First-Time Homebuyer
No Down Payment
From $1,000 to $1,500 Per Month

We Make 100% Financing Easy

First-Time Home in Pueblo
From $1,500 to $2,000 Per Month

Mortgage Lenders Buyer Programs
From $2,000 to $2,500 Per Month

Colorado First-Time Homebuyers
From $2,500 to $3,000 Per Month

Down Payment Assistance Mortgage Approval

First-Time Homebuyer Mortgage Loan Requirements

Great Opportunity for Pueblo First Time Home Buyer

Down Payment Resources FHA First Time Buyer Financing

Buyer Your First House Colorado  First Time Buyer Program

Find a House Search Homes For Sale in Pueblo Colorado

Purchase a home with no down payment.

Colorado housing continues to become more unaffordable.

Down payment assistance in Colorado is available.

Mortgage lenders can help a Colorado first-time homebuyer secure a down payment grant.

A down payment grant in combination with a mortgage provides a homebuyer the down payment to buy a house.

Colorado first-time homebuyer grant 

Mortgage loan with a down payment grant 

The most affordable housing in Colorado is in Pueblo

Buy your first  home in Pueblo with a mortgage loan that does not require a down payment.

The Nitty-Gritty of FHA no down payment mortgage financing

View homes available to buy in Pueblo with no money down.

With zero down payment, buying a home with a new mortgage loan in Pueblo is just as easy as renting.

We help clients purchase a home with zero down payment.

We make purchasing a home with no money down and no closing costs easy.

What Others Have to Say about Realty Advisors

3 Easy Steps to Buying Your New Home with no down payment.

Get pre-qualified to buy your first home with down payment assistance.