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100% Home Loan

Has the thought of saving for a down payment been holding you back from a home purchase? Our 100% Home Loan may open the door for you. Whether you’re a first-time homebuyer or looking to upgrade, our 100% Home Loan with no down payment requirement can help you get into the home of your dreams faster.1

Our 100% Home Loan offers you:

  • An adjustable-rate mortgage (5/5, 7/1, or 10/1 ARM)
  • Financing up to 100% of your purchase price2
  • No monthly mortgage insurance payment
  • No income limitations
  • Available in both rural and urban markets3
  • Convenient local processing, underwriting, and servicing
  • Community Partners (Teachers, Firemen, Police Officers, Nurses, and EMT/Paramedics) may qualify for additional financing incentives.

Plus, we can offer a special rate discount to customers with automatic payments from a Fidelity Bank account.

Ready to get started?

Talk to us about how we can make the homebuying process Right By You.

1 No first-time homebuyer requirement. Eligible borrowers can have ownership of another home in the past three years. 2 Subject to the home’s appraised value. Eligible for primary residence purchase only. 3 Home must be located within Right By You Mortgage’s lending area to be eligible.

For example purposes, a home worth $250,000 obtaining a 5/5 ARM with 0% down at a note rate of 6.50% and an APR of 6.631% would have a monthly principal and interest payment of $1,580.17. A home worth $250,000 obtaining a 7/1 ARM with 0% down at a note rate of 6.625% and an APR of 6.769% would have a monthly principal and interest payment of $1,600.78. A home worth $250,000 obtaining a 10/1 ARM with 0% down at a note rate of 6.75% and an APR of 6.895% would have a monthly principal and interest payment of $1,621.50. Rates and APRs listed in the examples are as of June 6, 2022 and are subject to change.

Mortgage Calculator

Estimated Monthly Payments
$1,342
30 Year Fixed / 4.25% Interest
Principal & Interest: $1,206
Homeowners Insurance: $93
Property Taxes: $274