Quick Realtor Toolkit: Market Your Listing With These Phrases and Loan Options

“Qualifies for 0% Down Programs”  

“Seller Offering Closing Cost Credit”

“Rate Buydown Available”

Closing Cost Assistance from Sellers

Home Warranty Included

Down Payment Assistance (DPA) Programs (up to 20% down payment assistance) - CalHFA Loan Program Downpayment Assistance Program | MyHome Assistance Program

Buyer must be first time home buyer. (no home ownership during last 7 years) Click here for more details. 

We are approved broker and also closed few 20% down payment assistance deals in the past. 

Seller Rate Buydowns (Huge Right Now in 2026)   3‑2‑1 buydowns slash the payment the first 1–3 years 

Bank Statement Loan:  Only 10% down payment required from self employed for 30 year loan.

20% down payment required for 40-year fixed* and 40-year interest only* (10-interest only, 30-year amortization period)

USDA Rural Housing Loans (Zero Down) If your listing is not in the grayed area, your clients can get 100% loan. Plumas lake, Wheatland, Sheridan, Loomis, Penryn, Newcastle, Auburn, Wilton, Lathrop, Mountain House  area is also coming under USDA qualified homes. Click here to find the qualified area

Jumbo with only 10% down payment. Loan amount from $832,750

DSCR: With 20% down payment, sell it to your rental investment buyer. No personal income (w2, tax returns) required. 

Projected rental income will be used to qualify for DSCR loan based on the 1007 of the appraisal. 

30-year fixed, 40-year fixed

Eligible to close in an LLC (Limited Liability Company) 5% gift on LTV under or equal to 80% 

Eligible on investment purchases, and cash-out refinances (If your client already have investment properties and planning to buy more, client can refinance and cash out from their investment and you can find them another rental property)

 Finance up to 20 properties

Vacant lot construction loan

Help your clients to build their dream home with only 5% down payment (One loan for the lot purchase and home construction)

Construction Loan : 30 Y fixed / Only 5% down payment required   //  11-month maximum build period with 1-month modification period

• Interest-only monthly payments during the build period