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Layton Homes, Inc.
4431 Sunset Ave.
Rocky Mount, NC 27804
252-443-1121

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100% Financing

Loans that require no down payment:

Zero Down Plus

bullet100% financing for eligible borrowers
bulletClosing costs, prepaid and mortgage insurance premiums may be financed to a maximum of 3% and a maximum Loan to Value of 103%
bulletFor buyers with good credit
bulletNo maximum income earning restrictions
bullet15 or 30 year fixed rate programs
bulletLoans amounts up to $375,000
bulletOwner occupied only

80/20 Program

bulletNo out of pocket down payment
bulletAllows for an 80% first mortgage and a 20% second mortgage which serves as the down payment
bulletNo private mortgage insurance
bulletBuild equity faster as buyer pays off second mortgage
bulletClosing costs may be covered with a slightly higher rate
bullet15 and 30 year fixed rate programs
bulletCombined loan amounts up to $500,000

Rural Housing

bulletNo down payment required
bulletNo mortgage insurance
bulletSales price + closing costs can be financed up to appraised value
bulletSeller can contribute up to 6%
bulletMore lenient ratios
bulletFamilies at 115% or below median income in rural areas
bulletAvailable on 30 year fixed rate program
bulletConforming loan limits apply
bulletLoan amount based on appraised value
bulletLoan is not limited to first time homebuyers

 


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