low/no down payment home loans

Personal Banking · Mortgage · Mortgage Loans · Low/No Down Payment Loans

Low/No Down Payment Home Loans

Ask one of our mortgage experts about our low/no down payment home loans. We offer Rural Housing and VA loans with 100% financing.

Rural Housing Loans

A Rural Housing loan, or USDA loan, assists low-to-moderate income rural residents in purchasing a home by providing affordable interest rates and loan terms. Applicants must purchase a home within eligible rural areas and meet income and property guidelines.

  • Up to 100% loan-to-value financing*
  • No down payment required
  • Fixed interest rate
  • No maximum purchase price
  • Not limited to first-time home buyers

*Based on approved credit

VA Home Loans

If you’re a service member, veteran, or surviving spouse of a veteran, a VA loan from Central Bank is an excellent option to buy or refinance your home. This mortgage loan is backed by the U.S. Department of Veterans Affairs (VA), so you may be eligible for a lower down payment, lower closing costs, and additional loan protections.

  • Up to 100% loan-to-value financing*
  • No down payment required
  • No private mortgage insurance required
  • Fixed- and adjustable-rate options
  • Low closing costs

*Based on approved credit