A Division of American Pacific Mortgage, 1850
TILA spelled T-I-L-A stands for the Truth in Lending Act, and
emphasizes our commitment to honest and ethical lending

100% Financed Loans

Zero Down Mortgage

100% Financed Loans for Buying a Home

Can you buy a home if you don’t have much money for a down payment? Our Home Loan experts will help you find the loan for your home.

  • 100% Financed loans available
  • Considering Owning Instead of Renting
  • Low to Moderate Income OK

Call (425) 533-9400 now  for a free consultation or get a free rate quote by email. From Seattle to Tacoma, from Bellevue to Spokane, we serve all of Washington state.

TILA Mortgage offers many types of financed mortgage programs that require very little or no money down. With our many down payment options, our buyers have flexibility to use their cash for other costs associated with buying a home.

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Our Loan Process

Who would need or use this type of loan?

  • People with enough income to qualify but haven’t saved money for a big down payment.
  • Those interested in keeping as much cash in the bank as possible.
  • First Time Home Buyers with current rents that are comparable to total mortgage payments
  • Lower to moderate income borrowers who have stable income but low cash reserves.

Typical down payments for primary residences start low(for VA and Rural Housing mortgages) and range up to 20 percent for conventional home loans.

Down payment requirements by loan type


Loan Types Minimum Down Payment Comments
Veterans – VA Loan 0%

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Loan amounts limited to $417,000 in most areas.

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FHA Loan 3.5%

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Expanded guidelines to qualify more easily

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USDA Rural Housing 0%

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Loan amount limits apply. Property must be rural.

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Community Homebuyer 3% Income limits apply, mortgage insurance required.
Conforming w /MI 5% Loans limited to $417,000 in most locations.

Call TILA Mortgage today to speak with a licensed loan officer about your options. 206.766.8888

TILA Mortgage, Real Estate Loans, Bothell, WA