no down payment mortgage

The Process

When you are pre-approved for a mortgage, we can do a complete verification before you start looking for a home. Your Collin Bruce Mortgage Team member will let you know what you can afford based on your salary, lender criteria, and insurer criteria, and they can tell you what your monthly payments will be.

We will explain the benefits of short- and long-term mortgage terms, the latest programs available, the best mortgage products for your needs, and the other costs associated with buying a home.

We can lock in interest rates for up to 120 days while you shop. By locking in this interest rate, you are guaranteed to receive a mortgage for that rate or better. If rates drop, your locked-in rate drops as well. But if rates go up, yours stays the same. This ensures you will receive the best rate throughout the pre-approval process.