Happy couple in front of their new home.

Zero Down Home Loans

Realize your dream of owning a home.

Finance 100% of your mortgage with 0% down payment. 


Make it possible with the Twin 100 zero down payment mortgage program

Our Twin 100 home loan allows for 100% financing; no down payment required.* Unlike other 0% down loans, Twin 100 does not require you to purchase your home in targeted markets, nor are you required to attend home buyer education classes. You don't need to be a first-time homebuyer to qualify.

Key benefits of the Twin 100 program

  • Does not require you to purchase your home in targeted markets
  • Homebuyer education class not required
  • No income restrictions. Does require a 43% maximum debt-to-income ratio
  • Does require that your home meet the owner-occupancy requirements and condominium warrantability

Ready to buy a home?

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 or call us 24/7 at 800.258.3115.


Let's get started on moving you into a new place of your own.

We have a financing plan that is just right for you.

All loans subject to credit approval. Minimum FICO is 700. Standard closing costs and fees still apply. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Mortgaged property must be located in Washington or Oregon state. Certain restrictions may apply. Contact a mortgage loan officer for more details. Equal housing opportunity lender.