Show Notes:

Think you need 20% down to buy a home in Texas? You don't. A true 100% zero down loan exists right now, and it is open to any buyer purchasing a primary residence -- no income limits, no location restrictions, no requirement to be a first-time buyer, a veteran, or a doctor.

Host Jean Mitchell of Trilogy Real Estate sits down with Ben Shores of First Community Credit Union to walk through exactly how this loan works, who qualifies, and how buyers are walking to the closing table with little to nothing out of pocket.

What you will learn:

• ✅ Who qualifies for 100% financing and what the credit score floor actually is (700 -- not 780, not 800)
• ✅ How combining zero down with seller concessions can get you to closing with almost nothing out of pocket
• ✅ Why this loan is not just for first-time buyers -- and how to use it as a starting point for building a rental portfolio
• ✅ How self-employed borrowers can qualify using bank statements instead of tax returns

Ben Shores is a mortgage lender with First Community Credit Union and has 25 years of experience in the industry. He works with buyers across Texas on conventional, alternative, and investment financing -- and attends his closings personally.

Phone: 281-798-4712

Email: [email protected]

Note: You do not need to be a credit union member to use Ben's services.

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