100% Home Loan

Accelerate your path to homeownership by eliminating the need for a down payment.


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Overview of 100% Home Loans

This adjustable-rate mortgage program offers you flexibility when you are buying your first home by allowing you to finance up to 100% of your purchase price.1 Community Partners (Teachers, Firemen, Police Officers, Nurses and EMT/Paramedics) may qualify for additional financing incentives. Plus, a special rate discount is available to customers with automatic payments from a Fidelity Bank account.

100% Home Loan Key Takeaways

Finance the entire purchase price of a home with no down payment required.2 Take advantage of 100% financing and open the door to homeownership.

100% Financing

Make buying your first home a reality with a 100% Home Loan. Enjoy competitive rates with no down payment required.3

Save Money

Experience the freedom of homeownership without the burden of monthly mortgage insurance payments with our exclusive 100% Home Loan.

Flexible Terms

We offer several mortgage options to meet your needs. 5/5, 7/1, and 10/1 adjustable rate mortgages are available.

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Find a Mortgage Loan Officer

Our expert loan officers are here to help you navigate the mortgage process with confidence. Get answers and personalized guidance to pave your path to homeownership today!



Where can I see current mortgage rates?

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Connect with a local mortgage loan officer to learn more about our competitive rates. 

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Ready to Take the Next Step?

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  1. Subject to the home’s appraised value. Eligible for primary residence purchase only.
  2. Home must be located within Right By You Mortgage’s lending area to be eligible.
  3. At least one borrower must be first time home buyer. Income limitations may apply.

For example purposes, a home worth $300,000 obtaining a 5/5 adjustable-rate mortgage with 0% down at a note rate of 9.000% and an APR of 9.048% would have a monthly principal and interest payment of $2,413.87.