100% Financing Home Loan Options

For home buyers with good credit and a steady income, there are several zero down payment mortgage programs available for purchasing or refinancing. We can explain your options for how to buy your first home with no money down, or determine whether a no down payment mortgage is right for your situation.

For U.S. Veterans

VA Loan

VA loans are typically the best home loan option for buyers, especially first-time buyers if one of the borrowers is an eligible veteran. They can be used to purchase or refinance a primary residence.

Vault Mortgage offers reduced fees to US military veterans using a VA loan. Read on to find out more!


With Seller Paying Closing Costs

Closing Costs Loan

A common purchase strategy of buyer agreeing to pay a higher dollar amount than normally would be negotiated (e.g. full asking price) in exchange for the seller agreeing to pay closing costs. The net effect is that buyer does not have to pay out-pocket for their closing costs and seller nets the same amount as if they would have sold for the lower price they really expected to sell the home for.

NOTE: In order for the loan to be approved by the mortgage lender, the house will need to appraise for no less than the total contract purchase price (which includes the added dollar value for the buyer’s closing costs).

First Steps

USDA Rural Development Loan

Contrary to popular belief, USDA Rural Development home loans aren’t just for farming or agricultural use! These loans are a wonderful option for first-time buyers who are not military veterans, assuming the property is in an eligible rural area. Like VA loans, they can be used to purchase or refinance a primary residence.


Here for you, every step of the way.

We’ve got the experience and the professional network to get your loan funded. If it can be done, we’re the ones who can get it done. You’ll have direct access to a friendly, communicative, professional Loan Originator who will walk you through every step of the process. If a problem ever pops up, you’ll be the first phone call with a solution.


26041 Predazzer Ln Suite A, Daphne, AL 36526

24951 Perdido Beach Blvd
Orange Beach, AL 36561

309 Richard Jackson Blvd, Suite 200,
Panama City Beach, FL 32407


Vault Mortgage LLC | NMLS# 1785021
Approved Lender in Alabama #22567 and Florida
MBR3074 www.nmlsconsumeraccess.org

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Vault Mortgage is a 68 Ventures Company. 
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Equal Housing Opportunity. Loan programs not available in all states, or to all consumers. All loans are subject to availability at the time of application and for terms that meet each individual consumer’s needs and qualification information. Loan applications are subject to credit and property approval. Vault Mortgage LLC encourages all consumers to consult with a tax advisor concerning the tax implications for the type of mortgage sought.