Contact Your Low-To-No Money Down Mortgage Loan Specialist: (866) 747-2882

Millennial Home Loans

Low-To-No Down Payment Mortgage Loans

Your Local Low-To-No Money Down Mortgage Loan Specialists With The Most Low Money Down Solutions All In One Location

    Click below if you want to Build, Buy, Rehab, or Refinance



    Start the home buying process now. Determine your loan eligibility and how much house you can afford.

    Apply Now

    Home buyers, how does $0 down payment and $0 monthly mortgage insurance sound?

    We’re giving home buyers a break on their down payment and monthly mortgage insurance costs.

    With a combined HomeReady® Mortgage and 20% down payment Community Second Mortgage Millennial Home Loans can help you save today.

    Learn more
    Start My Approval
    loan amounts to $1,249,125 & no monthly mortgage insurance

    Home buyers purchasing a house in a low-to-moderate income census tract win Big-Time!

    No monthly mortgage insurance, no maximum income restrictions, 6% seller closing cost assist, low 3% down payment.

    With the Home Buyer Advantage mortgage loan, Millennial Home Loans is unlocking home buying opportunities when purchasing a house in a low-to-moderate income census tract.

    Learn more
    Start My Approval
    Find Special Loan Options Based On A Property Address

    Select a Refinance Loan Option That Meets Your Financing Objectives

    Streamline Refinance FHA, VA, USDACashout Refinance – FHA, VA, ConventionalHome Equity Line of Credit
    Lower Interest RateRenovation LoansReverse MortgagesBridge Loans
    Streamline Refinance FHA, VA, USDA
    Cashout Refinance – FHA, VA, Conventional
    Home Equity Line of Credit
    Lower Interest Rate
    Renovation Loans
    Reverse Mortgages
    Bridge Loans
    Refinance Option Calculator
    Combined Interest Rate Calculator

    Select a Refinance Loan Option That Meets Your Financing Objectives

    Streamline Refinance FHA, VA, USDACashout Refinance – FHA, VA, ConventionalHome Equity Line of Credit
    Lower Interest RateRenovation LoansReverse MortgagesBridge Loans
    Streamline Refinance FHA, VA, USDA
    Lower Interest RateRenovation Loans
    Cashout Refinance – FHA, VA, ConventionalHome Equity Line of Credit
    Reverse MortgagesBridge Loans
    Refinance Option Calculator
    Combined Interest Rate Calculator

    Need help with down payment and closing costs or monthly payment affordability?

    We may be able to help

    $0 Down $0 Mortgage Insurance 80/20 Loan
    3% DOWN PAYMENT HOME BUYER ADVANTAGE LOAN
    WELCOME HOME RATEBREAK 2-1 BUYDOWN
    $50k PRINCE GEORGE'S COUNTY MD GRANT
    ONE+ W/2% LENDER FUNDED GRANT
    Frederick County MD DPA
    FHA w/2% Grant

    Buying a House?
    Select The Loan Program That Meets Your Needs

    Loan purpose (down payment %)

    Loan type
    VA
    USDA
    FHA
    Conforming
    Up to $832,750

    High Balance
    Up to $1,149,825
    (County Specific)
    Jumbo Loans
    $1 over $832,750
    And $1,149,825
    Purchase

    Purchase

    Apply Now
    Loan type
    VA - No Max Loan Amount (0%)
    USDA (0%)
    FHA (3.50%)
    80/20 Loan (0%)
    Conforming w/Restrictions (3%)
    Conforming w/No Restrictions(5%)
    High Balance (5%)


    Jumbo Loans (5% - 25%)
    Renovation

    Renovation

    Apply Now
    Loan type
    VA Reno (0%)
    USDA Rehab & Repair (0%)
    FHA 203k (3.50%)
    HomeStyle (3% to 5%)


    HomeStyle (5%)
    Construction

    Construction

    Apply Now
    Loan type
    VA OTC (0%)
    USDA OTC (0%)
    FHA OTC (3.50%)
    Conforming OTC (10%)


    High Balance OTC (10%)
    Loan type
    VA
    USDA
    FHA
    Conforming
    Up to $832,750
    High Balance
    Up to $1,149,825 (County Specific)
    Jumbo Loans
    $1 over $832,750 And $1,149,825
    Purchase

    Purchase

    Apply Now
    Loan type
    VA - No Max Loan Amount (0%)
    USDA (0%)
    FHA (3.50%)
    80/20 Loan (0%)
    Conforming w/Restrictions (3%)
    Conforming w/No Restrictions(5%)
    High Balance (5%)
    Jumbo Loans (5% - 25%)
    Renovation

    Renovation

    Apply Now
    Loan type
    VA Reno (0%)
    USDA Rehab & Repair (0%)
    FHA 203k (3.50%)
    HomeStyle (3% to 5%)
    HomeStyle (5%)
    Construction

    Construction

    Apply Now
    Loan type
    VA OTC (0%)
    USDA OTC (0%)
    FHA OTC (3.50%)
    Conforming OTC (10%)
    High Balance OTC (10%)

    Millennial Home Loans – Mortgage FAQ & Company Overview

    Please take a moment to learn more about Millennial Home Loans and the wide range of mortgage solutions we offer. We are committed to helping you achieve homeownership with personalized guidance every step of the way.

    Who is Millennial Home Loans?

    Millennial Home Loans was founded in 2014 by David Zuckerman with a belief that homeownership is the cornerstone of the American Dream. Please know that we are dedicated to making homeownership accessible to all who desire it, throughout Maryland, Pennsylvania, Virginia, and West Virginia.

    What makes Millennial Home Loans different?

    Please understand that we do not believe in a one-size-fits-all approach. We design mortgage solutions around your specific needs, while providing personalized service and ongoing communication throughout the process.

    What loan programs do you offer?

    Please review some of the loan options available:

    • VA loans (0% down)
    • USDA loans (0% down)
    • FHA loans (3.5% down)
    • Conventional loans (as low as 3% down)
    • Jumbo and high-balance loans
    • Renovation loans
    • Construction loans
    • Bridge loans
    • Reverse mortgages
    • Home Equity Lines of Credit (HELOC)

    Do you offer low or no down payment programs?

    Yes. Please ask about:

    • $0 down payment options
    • 80/20 loan programs
    • 3% down Home Buyer Advantage loan
    • Grant programs and lender-funded assistance
    • Buydown options to reduce your monthly payment

    How does your process work?

    Please follow these steps:

    1. Please complete a secure application
    2. Please review your options with a loan specialist
    3. Please get pre-approved
    4. Please move forward with your home purchase or refinance

    What is your commitment to clients?

    Please know that we shop rates and programs on your behalf, saving you time and effort. We strive to be accessible, responsive, and transparent throughout your entire mortgage journey.

    Please Contact Me to Get Started

    Company: Millennial Home Loans
    Name: David Zuckerman
    Email: dzuckerman@mymhl.com
    Phone/Text: (410) 552-5912

    Testimonials

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