Zero percent down home loans

Zero percent down home loans

Get your own backyard.

Our new Twin100 home loan allows for 100% financing; no down payment required.* Unlike other 0% down loans, Twin100 does not require you to purchase your home in targeted markets, nor are you required to attend home buyer education classes.

Twin100 zero down payment*

  • Does not require you to purchase your home in targeted markets.
  • No home buyer education classes required.
  • No income restrictions. Does require a 43% maximum debt-to-income ratio.

Other Financial Institutions

  • May require you to purchase in designated areas.
  • Home buyer education class is required.
  • May have income restrictions.

Twin100 allows for 100% financing; no down payment required. It does require that your home meet the owner-occupancy requirements and condominium warrantability.

Ready to buy a home?

Check out our rates, get preapproved


TwinStar Credit Union provides home loans with minimal fees and competitive rates with proven quality member service. We understand the local housing market, available financing options and we look out for you when it comes to your home and financial well-being. We’re committed to helping members find a great loan, at a great value. We will help make your dreams come true!

You can apply online, call us, or simply stop by any of our convenient locations.


*Offer is subject to credit approval.