Find the Loan That Fits Your Needs


Perfect for first-time home buyers, 100% financing loans offer buyers with little to no down-payment a way to purchase their dream home. Today, there are lots of options for 100% financing. Explore some of the most common programs below.

The THDA offers options for 100% financing including the Great Choice Home Loan program which was specifically designed to make mortgage financing available and affordable to Tennesseans of middle and moderate income. All Great Choice Home Loans offer a 30-year term, a fixed interest rate, and some may even qualify for down payment assistance. Mortgage Investor’s Group is the #1 THDA lender for 14 years successively.

100% financing is also offered by the VA as a part of their mission to help Service members, Veterans, and eligible surviving spouses become homeowners. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.

Also offering a 100% financing option, USDA loans serve as a part of rural development programs across the country. As one of the USDA’s approved lenders, Mortgage Investor’s Group can help you acquire USDA financing for your eligible property.

While most buyers may assume that a manufactured double-wide may not be eligible for 100% financing, that isn’t always the case. With a permanent foundation, a first-time homebuyer can acquire 100% financing on their purchase of a double-wide. Let Bob Hefty and Mortgage Investor’s Group help you determine if you might be eligible today.



Whether you are purchasing your first home, looking for more space or down-sizing, there are low down-payment options to fit your needs.

FHA loans are a great option for buyers who need a low down-payment or flexible credit requirements. Requiring as little as 3.5% of the purchase price, an FHA loan can make all the difference for first-time homebuyers, seniors, or even those who want to improve their new home’s energy efficiency.

Provided by Fannie Mae, the Home Ready program is another exciting low down-payment option for home buyers. HomeReady® is designed to serve today’s market of creditworthy, low- to moderate-income borrowers, with expanded eligibility for financing homes in low-income communities.



The most common financing option, conventional loans are mortgages which are not insured or guaranteed by the federal government. But, today’s conventional mortgages are anything but one-size-fits-all. With dozens of options, conventional mortgages are more flexible than ever before.

Since Conventional Loans are not backed by the federal government, Private Mortgage Insurance helps protect lenders in the event that a home-owner discontinues making payments. Just because you have a conventional loan doesn’t always mean you will have to pay for PMI though, in most cases, with a down payment of 20% or more, no PMI is required.

In some cases, financing a condominium can seem tricky but not with a conventional loan from Mortgage Investor’s Group. MIG offers options to buyers no matter what their real estate preferences look like.

A conventional loan is a great way to purchase an investment property since there is no requirement that you occupy the housing personally.

While the purchase of a second home or a vacation home usually will not qualify for government funded programs, it is possible to purchase your personal paradise with a conventional home loan.

Conventional loans can typically finance multi-family homes including properties with up to four units included.



jumbo loan is one way to buy a high-priced or luxury home. If you have a lower debt-to-income ratio and a higher credit score, a jumbo loan may be right for you. The limit in most U.S. counties is $424,100 for a single-family home, but many high-cost areas have a conforming loan limit of $62,500. While interest rates are usually higher for jumbo loans, they have remained competitive over the last two years, sometimes even lower than conforming loan rates.



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