The Home Loan
Most Buyers Don’t Know Exists
Many of us feel we can make the monthly payment but it’s just saving for the down payment that makes homeownership feel out out of reach.
This home loan helps solve that problem.
Download the completely FREE guide by clicking below or contact us to learn more
Saving tens of thousands of dollars while paying rent, bills, and everyday expenses can make homeownership feel years away.
But what if the biggest obstacle to buying a home… didn’t have to exist?
There’s a little-known financing strategy that allows qualified buyers to purchase a home with 100% financing.
And the surprising part?
Most buyers never hear about it.
Not because it doesn’t exist…
But because most lenders simply don’t offer it.
That’s exactly why we created this guide.
What Is FHA 100% Financing?
Most mortgage programs require buyers to bring their down payment out of pocket.
For FHA loans, that’s typically 3.5% of the purchase price.
But with a special FHA structure, the down payment can be financed through a second mortgage, allowing buyers to purchase a home with little to no upfront cash required.
Instead of waiting years to save the down payment…
You may be able to buy now.
And this strategy comes with several benefits many buyers don’t realize.
Download The App
and take full control of your mortgage journey in real time.
Hard Credit Checks:
For Serious Homebuyers
Lenders require a hard credit check to provide final approval for a mortgage.
This type of inquiry is a formal request for your credit history and can temporarily impact your credit score.
If you are serious about purchasing a home within the next four months, a hard credit check is a necessary step towards securing your financing.
It's important to remember that a hard credit check is typically valid for 120 days for closing, effectively pre-approving you for about 90 days.
Soft Credit Checks:
For Planning and Guidance
If you're exploring your options, curious about your eligibility, or need advice without affecting your credit score, a soft credit check is the ideal choice. A soft check allows lenders to review your credit profile without leaving a hard inquiry mark. This means no impact on your score.
With a soft check, your lender can:
Review your current credit situation with you.
Offer personalized advice.
Help you game plan for what you might qualify for in the future.
This is perfect for those who are not yet serious about buying but want to prepare effectively.
Download FREE Guide to Refinancing Your Home
Get our free step-by-step guide and learn how refinancing could lower your payment, reduce your rate, or help you reach your financial goals faster
Stay connected for expert insights, helpful updates, and valuable resources!
Have questions or want to learn more?
Whether you’re just exploring your options or ready to move forward, our team is happy to connect and provide the information you need.
No pressure, no obligation.
Why Choose Premier Mortgage Team
We don't believe in a one-size-fits-all approach to your mortgage journey.
We created Premier Mortgage Team to deliver the highest level of service in the mortgage and real estate industry. Our mission is not just to close loans, but to help our clients and partners grow and achieve their goals.
At Premier Mortgage Team, we believe in empowering you with the right information at the right time. We take the time to:
Understand your goals
Explain how we can help and show you the path to the solution
Match you with tailored loan programs that fit your situation and goals
Explain the numbers when writing an offer, at closing, and after closing
Curious if refinancing makes sense for you? Contact the Premier Mortgage Team to get helpful guidance →
This short pre-qualification survey helps us understand:
How you’d like to move forward (speak with a loan officer, schedule a meeting, apply online, or send a message)
Your immediate goal and timeline
Whether there may be options or programs worth exploring based on your situation
Disclaimer: By completing this form, you consent to receive transactional messages from Premier Mortgage Team related to your account, orders, or requested services. These messages may include appointment reminders, order confirmations, and account notifications. You also consent to receive marketing and promotional messages, including special offers, discounts, and updates about new products or services. Message frequency may vary. Message and data rates may apply.
Discover How Refinancing Could Lower Your Monthly Payment. Download Your FREE "Simple Guide to Refinancing Your Home" Now!
Get instant access to your FREE refinance guide and learn how to:
Lower your monthly mortgage payment
Use your home equity to eliminate high-interest debt
Decide if refinancing makes sense for your financial goals
Disclaimer: By completing this form, you consent to receive transactional messages from Premier Mortgage Team related to your account, orders, or requested services. These messages may include appointment reminders, order confirmations, and account notifications. You also consent to receive marketing and promotional messages, including special offers, discounts, and updates about new products or services. Message frequency may vary. Message and data rates may apply.
What Our Clients Say About Us
Real people, real guidance. See how Premier Mortgage Team helped them navigate their credit and mortgage journey.
"I had a fantastic experience with Dennis! He was incredibly responsive, knowledgeable, and made the loan process smooth and stress-free. I highly recommend him for anyone looking for a reliable lender."
Muhammad Shahid
"At the beginning of the process I had a lot of reservations as my partner and I were first time home buyers. Dennis was great about informing us on every step of the process and was patient with the questions we had. He was very responsive when he had updates and helped us with backup plans if we thought they would be needed. Overall the process went smoothly with no major issues. I believe Dennis had a very large part in assuaging any anxiety we had during the process. I would strongly recommend using Dennis as your Mortgage Advisor."
Gwen & Clin Fitchett
"Work with Dennis! That is the best advice I can give. Dennis Brown has got to be the best mortgage broker I have ever worked with. He is super responsive, friendly, and a massive wealth of knowledge. If you are even considering purchasing or refinancing, give Dennis a call and he will take care of you."
Chris Edwards
Frequently Asked Questions (FAQs)
Answers to the questions we hear most often about the Premier Mortgage mobile app.
What is FHA 100% financing?
FHA 100% financing is a strategy that allows qualified homebuyers to purchase a home with little to no money out of pocket. While standard FHA loans require a 3.5% down payment, this approach uses a second mortgage or assistance program to cover the down payment, allowing buyers to finance the full purchase.
Who can use the app?
The app is designed for homebuyers, realtors, and partners involved in a transaction with our team. Anyone connected to the loan process can receive updates and stay informed.
How do notifications work?
You’ll automatically receive email updates whenever there’s progress or changes in the loan status. This ensures you always know what’s happening without needing to follow up.
How does this help realtors specifically?
Realtors get instant visibility into their clients’ loan progress, making it easier to manage timelines, communicate with confidence, and keep deals on track.
Is the app secure?
Yes. The platform is designed with security and privacy in mind to ensure all transaction and client information remains protected.
Previous Content & Resources
Explore our content and resources created to inform, guide, and
support your mortgage and financial journey.
A Second Opinion Could
Change Everything.
In the last 9 months, 14 buyers came to us after another lender told them “no.” We said “yes.” Visit the page to watch the video and find out if a second opinion makes sense for you.
Worried about your credit
You’re not alone.
If you’re considering buying a home but concerned about a lender running your credit, visit the page and watch the video.
WWhat If Refinancing Could Change Your Life?
Visit the page and watch the short video to see how refinancing can help you lower payments, eliminate high-interest debt, and get back on track financially.
Your Mortgage, Handcrafted. Not Mass-Produced.
At Premier Mortgage Team, every loan is personally designed for you. Visit the page to watch the video and learn more about us.
Unlock Up to $10,000 in
MSHDA Down
Payment Assistance
This webinar is designed to help you understand the process, avoid costly mistakes, and confidently prepare for homeownership long before you submit an offer.
More Valuable Content Coming Soon!
New helpful resources and expert advice are on the way. Subscribe to our mailing list below and follow us on Facebook and Instagram to get updates delivered straight to you.
Just Browsing? Stay in the Loop.
Not ready to take the next step yet? No problem. Subscribe to our mailing list and get helpful tips, updates, and insights sent straight to your inbox. So when you are ready, you’ll already be informed.
Just Browsing? Stay in the Loop.
Not ready to take the next step yet? No problem. Subscribe to our mailing list and get helpful tips, updates, and insights sent straight to your inbox. So when you are ready, you’ll already be informed.
Before You Walk Away,
Get a Credit Check Analysis
Don't let uncertainty about credit checks hold you back from your dream home.
Whether you're just starting to explore or ready to make an offer, understanding your credit is key.
Location
The information provided on this page is for general informational purposes only and does not constitute a loan application, loan approval, or financial advice. Loan programs, rates, terms, and eligibility requirements are subject to change and may vary based on individual qualifications, credit profile, property type, and market conditions. Not all borrowers will qualify for all loan programs. A second opinion does not guarantee loan approval or specific loan terms. Additional documentation may be required.
This is not a commitment to lend. All loans subject to credit approval.
© 2026 Premier Mortgage Team, powered by GVC Mortgage, Inc. NMLS #2334 | Equal Housing Lender. All rights reserved.