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.
Special Mortgage Rate Offer!
For a limited time, save 0.50%† on qualifying mortgage loan interest rates! Contact our home loan experts at 800.258.3115 ext. 7920 or apply today to get started. Rate must be locked by December 31, 2024 to receive this offer.
†Mortgage interest rate reduction is available for fixed and adjustable rate mortgages. For adjustable rate mortgages, the discount is applicable only for the initial rate period and the rate and payment may increase after the initial rate period. Available on primary residence and second homes only; 1 and 2 units only. Discount is not available on government loans, land loans, investor loans, or loans originated under the Habitat for Humanity projects. Rate must be locked by December 31, 2024 to receive this offer. All loans are subject to approval. NMLS #530610
Let's get started on moving you into a new place of your own.
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.