*Buy Your Next Home with a Zero Money Down Payment.
Stop Renting and Start Building Your Own Personal Wealth.
Why Choose Us
Program Qualifications
Up to 100% Financing
Primary Residence Only
Not Required to be first-time homebuyer
Down Payment Assistance in the Form of 2nd Mortgage
No Income Restrictions
Home Buyer Education Required for all Borrowers
Credit Score as low as 600
WE’RE TRANSPARENT
Get the answers to all of your questions to your home buying needs. Let us show you how to be a homeowner with little to no money out of your pocket.
WE’RE HELPFUL
We will help you navigate the home buying process. Work to get you your pre approval and work with your agent to get you in the best loan possible to fit your needs.
See if you qualify for this program today
Our Story
Each of us has our own version of the American Dream. Whatever it is, it usually involves a place we call home. Since 2002, it’s been our mission at First Community Mortgage to help more and more people secure their piece of the American Dream. Because when people have a home, it gives them a foundation from which to grow, to do bigger things and, in turn, build better communities. And who wouldn’t want to support that?
Whether you are a first-time homebuyer or have purchased several homes, we support you in a way you have never experienced. Whether you need the one-on-one support with close attention or prefer to utilize our digital experience, you can feel confident knowing you have experienced professionals always on your side.
Based in Murfreesboro, Tennessee, First Community Mortgage has operations and retail offices throughout the United States and is able to lend in 48 states.
In addition to retail lending, our Wholesale Division provides underwriting and closing services to small banks, credit unions, and mortgage brokers. First Community Mortgage is an Equal Housing Lender. NMLS #629700
Grow & Protect
Your Wealth
First Community Mortgage's Home Zero loan program gives borrowers down payment assistance on FHA loans, allowing you to receive up to 100% financing on your new home.
First Community has various programs to fit almost anyone's needs. Talk to us about any of our products such as Bank Statement Loans to Doctor Loans to Investment Loans. We are here to help find you the perfect solution to fit your needs.
Check Out Some of Our Other Products
*Zero Down Home Loan
Up to 100% Financing Not Required to be first-time homebuyer
Primary Residence Only
No Income Restrictions
Down Payment Assistance in the Form of 2nd Mortgage
Home Buyer Education Required for all Borrowers
Credit Score as low as 600
USDA Loan
**No Down Payment Required
Not Limited to First time Homebuyers
Household members must not earn more than 115% of area median income
**available to qualified buyers
***VA Loan
No Down Payment
No Processing or Underwriting Fees
No Private Mortgage Insurance
Proud Supporter of the American Dream!!
Welcome Home Grant
Up to $ 20,000 to help you achieve homeownership. First Time Home Buyers and Repeat Homebuyers are allowed. Low out of pocket $500.00 minimum expense towards your home purchase
DSCR - Investor Cash Flow Loan
Our Debt Service Coverage Ratio (DSCR) program focuses on the property cash flow, so no other income documents are required.
Up to 80% LTV
Available for 5-8 Unit Properties
Manufactured Home Loan
620 Minimum Credit Score
Greater than 400 Square Feet
Home must have been on site for 12 months prior to loan
Purchase, Rate and Term Cash Out Refinance
Frequently Asked Question
What is Zero Down Payment?
When you have a down payment of $0.00 on the purchase of your new home
How Long does it take to find out if I Qualify?
Each borrower is different and is a case by case basis but in most cases you will have an initial pre approval within 24 hours
Am I required to pay anything to find out if I qualify?
Initially No, There is no fee for trying to qualify for one of our products
Can I contact Someone Directly?
Yes, We would enjoy and encourage contacting us directly.
Contact us to see how
we can save or grow
your money
Let Us Make Your Home Buying Dreams Come True!!
Quick Links
About Us
Services
Contact Us
Social Media Links
Contact Us
440-477-5652
dave.elkins@fcmhomeloans.com
NMLS: 450162
2018 Eastwood Rd
Suite# 322
Wilmington, NC 28403
Loan approval and terms are dependent upon borrower’s credit, documented ability to repay, acceptability of collateral property, and underwriting criteria. *HomeZero is a loan program offering 96.5% financing for the first mortgage and up to 3.5% financing for down payment assistance in the form of a second mortgage. HomeZero is available in all states where First Community Mortgage is eligible to do business, except Massachusetts and Washington State. USDA loans have location restrictions and income limits. For more information on RD loans, including RD eligibility, please visit
**https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp.
First Community Mortgage is not affiliated with or acting on behalf of or at the direction of the USDA or the Federal Government.
***VA.gov | Veterans Affairs Apply for and manage the VA benefits and services you’ve earned as a Veteran, Service member, or family member—like health care, disability, education, and more.
Copyright 2024 . All rights reserved
Contact us to see how
we can save or grow
your money
Let Us Make Your Home Buying Dreams Come True!!
Quick Links
About Us
Services
Contact Us
Social Media Links
Contact Us
440-477-5652
dave.elkins@fcmhomeloans.com
NMLS: 450162
2018 Eastwood Rd
Suite# 322
Wilmington, NC 28403