Buy the home of your dreams with 100% financing and no money down.

Northpointe Bank makes it possible with innovative programs that allow you to purchase the home you've always wanted without having to save for years.

Explore Northpointe's no money down programs

Check with your loan advisor to see which programs are available in your area.

Northpointe 100%

  • Purchase of primary single family homes and condominiums
  • Minimum credit score of 680, no income restrictions
  • $0 down payment
  • Available for properties located in Alabama, California, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Massachusetts, Michigan, Nevada, New Jersey, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, and Washington
  • Gift funds may be considered to satisfy the 1% minimum borrower contribution towards closing costs


  • $0 down payment
  • Eligible for primary homes
  • Flexible loan terms
  • Maximum loan amount of $975,000

Rural development

  • Low- and moderate-income buyers in eligible areas
  • Flexible credit guidelines
  • Low fixed interest rate
  • For first-time and repeat home-buyers

VA loans

  • $0 down home financing options for active-duty military personnel, veterans, and their families
  • Eligible for 1-4 units; PUDs; Condominiums - including detached site condos which must be approved by VA
  • Primary residence only
  • Low fixed interest rate
  • Available in every state

Doctor loans

  • $0 down payment
  • Purchase or refinance
  • Loan amounts up to $850,000
  • Various loan terms available
  • Mortgage insurance is not required
  • Special financing for Doctors who have a signed employment contract with a start date no more than 90 days from the note date

Get started today

All loans are subject to credit review and approval. This is not a commitment to lend.