0% Down. 101% Yours.

Owning a home is the American Dream. But saving for the down payment can be impossible for a lot of people. You have tons of financial obligations — car payments, student loans, family expenses . . . The list seems endless. And while you’re scraping to save, interest rates are rising along with home prices.

So we’ve made it easier than ever to get into a home of your own. With Embrace’s no money down program, no down payment is required. Not one cent. We even help with closing costs. That means a lot less stress for you, and more money in the bank for saving — and for all of life’s other expenses.

Program highlights:
  • Financing options up to 101% combined loan-to-value on a first and second mortgage
  • Borrowers with a FICO score of 660+
  • Purchase of a single-family residence only
  • Borrower can be a first-time or previous homebuyer
  • Financial assistance for down payment and closing costs
  • Second mortgage is an interest only with balloon payment
  • No mortgage insurance required
HOW IT WORKS: