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 PriceLoan AmountInterest RateAPRTerm
$239,000$227,0506.5%6.725%30

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Contact a GMFS Mortgage Loan Officer today!

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Rating: 5 out of 5

Phenomenal person!! , easy to work with and fast!!

10 out of 10!!

Earl J. August 10, 2026
Rating: 5 out of 5

Very efficient and communicative

Beau S. Covington – August 13, 2026
Rating: 5 out of 5

Brandon was great to work with. Everything went smooth and he made a stressful process very easy and stress free.

Brandon V. Prairieville – August 14, 2026
Rating: 5 out of 5

The team that I had the pleasure of working with was patience with me for well over a year; this process started in the state of Mississippi with Branch Manager Melisa McBride after a year of disappointments in not finding a home or property, she referred me to GFMS office…

The team that I had the pleasure of working with was patience with me for well over a year; this process started in the state of Mississippi with Branch Manager Melisa McBride after a year of disappointments in not finding a home or property, she referred me to GFMS office in Macon, GA. The Macon team (John, Lindsay, Lanie). My initial contact was Branch Mgr John Peterson. Although my house hunting took over a year, John and his team did not harass me about a timeline of finding a home, they left the communication open and how they would be available to assist me with any questions, issues or concerns. I really love the fact that GFMS did not pressure me to find a home. Everyone from MeLisa in Mississippi to John and his team in Georgia was very professional but most of all patient. Thank you everyone and may you all be truly bless!

Jo Anna C. Columbus – August 13, 2026
Rating: 5 out of 5

The team that I had the pleasure of working with was patience with me for well over a year; this process started in the state of Mississippi with Branch Manager Melisa McBride after a year of disappointments in not finding a home or property, she referred me to GFMS office in Macon, GA. The Macon team (John, Lindsay, Lanie). My initial contact was Branch Mgr John Peterson. Although my house hunting took over a year, John and his team did not harass me about a timeline of finding a home, they left the communication open and how they would be available to assist me with any questions, issues or concerns. I really love the fact that GFMS did not pressure me to find a home. Everyone from MeLisa in Mississippi to John and his team in Georgia was very professional but most of all patient. Thank you everyone and may you all be truly bless!

Jo Anna C. Columbus – August 13, 2026
Rating: 5 out of 5

Clear and easy process. Clients were informed every step of the way, and there were no hang ups because every potential speed bump was preemptively handled.

Cam P. Baton Rouge – August 14, 2026

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.