100 Percent Home Financing

100% Mortgage (Zero Down Mortgage) Home Loans

For many eligible home buyers, there are several no down payment mortgage programs available which offer 100% financing for purchase so you can buy a home or even refinance. GMFS Mortgage can explain your options for how to buy your home with no money down and determine if a no down payment mortgage is right for you!

view from street of front home exterior with trees

100% Financing Home Loan Options

USDA Rural Development Loan

Per the USDA, GMFS Mortgage has been the #1 USDA Rural Development lender in Louisiana, #5 in Alabama, #10 Nationwide (source)
USDA Rural Development is typically the best home loan option for first time buyers that are not military veterans, assuming the property is in an eligible rural area
Can be used to purchase your primary residence or refinance for rate term

Learn More About USDA Rural Development Loans

VA Loan for U.S. Veterans

GMFS Mortgage offers reduced fees to U.S. military veterans for VA loans
VA loans are typically the best loan option for first time home buyers if one of the borrowers is a veteran
Can be used to purchase a house for your primary residence, as well as, to refinance for cashout

Learn More About VA Loans

Purchase with Seller Paying Closing Costs

A common purchase strategy of buyer agreeing to pay a higher dollar amount than normally would be negotiated (e.g. full asking price) in exchange for seller agreeing to pay closing costs. Net effect is that buyer does not have to pay out-pocket for their closing costs and seller nets same amount as if they would have sold for the lower price they realistically expected to sell home for.

NOTE: In order for the loan to be approved by the mortgage lender, the house will need to appraise for no less than the total contracted purchase price (which includes the added dollar value for the buyer’s closing costs).

Not a commitment to lend. All loans subject to credit and property approval. The following terms are for illustrative purposes only. Rates, payments, and loans terms vary by consumer based on their individual qualifying information. The payment amount illustrated does not include the amounts for taxes, property insurance, or mortgage insurance.

Purchase Price	Loan Amount	Interest Rate	APR	Term
$239,000	$227,050	6.5%	6.725%	30

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Contact a GMFS Mortgage Loan Officer today!

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Ashley was terrific. Wet friendly, thorough and detail oriented. Even though the process sucks Ashley went over and above to help at every step. If it weren’t for Ashley we’d be renting right now but instead we are living in our own home. Cannot thank her enough!

Krisha h.

Great Customer Service and Friendly Staff!

Jackie M.

Ashley Neely was very informative and very helpful during our buying process. Her diligence to help us purchase our first home, was very welcoming. My family and I thank Ms. Neely and the staff for their hard work! God Bless!

Jonathan B.

From the first phone call I made Stinson supplied just the information I requested. And then I appreciate it, as well as I’m sure my clients did, that he came to the closing and was very professional and friendly. I enjoyed him very much as I’m sure my client did also.

Toni K. Baton Rouge, LA

Worked with Ashley and she was heaven sent! Really nice, professional,and cares about her clients! Awesome person and we are blessed to have her.

jasmine g.

What Sets Us Apart

A Lender Who Cares

With GMFS Mortgage, you’re not just getting a loan—you’re getting a team that’s all in, every step of the way.

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Established

Since 1999, we’ve helped over 150,000 people across 23 states become homeowners.

Efficient

Everything from processing to closing happens under one roof. That means fewer hiccups…and more high-fives.

Trusted

A+ BBB rating. Torch Award for Marketplace Trust. A reputation built on doing the right thing.

Experienced

Our team averages 14+ years in the industry—and a lifetime of showing up for our clients.