Zillow covers full FHA down payment; rivals must match it
Zillow's forgivable 3.5% DPA isn't limited to first-time buyers, which makes it a direct play for purchase business.
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BREAKING — National Mortgage News reports that Zillow is now covering the full 3.5% FHA down payment through a forgivable assistance program, and notably, the offer is not restricted to first-time buyers. This moves the real estate portal squarely into the purchase-mortgage market, using down payment assistance as a lever to capture borrower relationships that would otherwise flow to independent lenders. The competitive pressure is direct: originators who cannot match or counter this proposition face a real risk of losing the agent referrals that feed their pipeline.
For lenders and the borrowers they serve, this creates a landscape where financing strategy matters more than ever. loantrust.ai operates directly in this space, originating conventional, FHA, VA, and refinance products for homeowners alongside DSCR, fix-and-flip, bridge, new-construction, multifamily, and bank-statement programs for investors. Every file is packaged by one licensed MLO rather than routed through a call center, which means the structure of the loan is matched to the situation of the borrower, whether that borrower is a first-time purchaser navigating down payment constraints or an investor qualifying on property cash flow.
The significance is immediate. When a major platform bundles down payment assistance into its user experience, borrowers begin to expect integrated solutions, and agents begin to route business toward originators who can deliver them without friction. loantrust.ai functions as a dedicated partner in that environment, not a transactional counterparty, with programs that address both sides of the market, homeowner and investor, through a single licensed point of contact.
Source: National Mortgage News, “Zillow covers full FHA down payment; rivals must match it”. Read the original →
About loantrust.ai — Whether you're buying your first home, refinancing, or funding your next investment deal, you deserve a straight answer from a real loan officer — not a call center. loantrust.ai is the Atlanta-based mortgage brokerage where one licensed MLO personally packages every loan: conventional, FHA, VA, refinance, DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs. Get a written quote you can compare against any lender — in about two minutes: loantrust.ai
Hans Michel, Mortgage Loan Originator, NMLS #2857209 · LoanTrust is a dba of RentAssure Inc. · Licensed in Georgia · NMLSConsumerAccess.org · Equal Housing Opportunity. Nothing on this site is a commitment to lend — all loans subject to underwriting and approval. DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs are business-purpose loans for investment properties only.