Zero Down Conventional Loan – 100% Financing, No PMI & Free Credit Counseling

Zero Down, Full Opportunity: How the Zero Down Loan Makes Homeownership Possible

For many hopeful buyers, the biggest obstacle to owning a home isn’t monthly payments — it’s scraping together the down payment. The Zero Down Loan Program from Cadence Bank is changing that narrative. With 100% financing and free credit counseling, this program turns homeownership from a distant dream into a very attainable reality.

💡 What Makes This Program Different

Most traditional mortgage loans require 3–20% down, locking out countless qualified buyers who simply haven’t built up large savings. The Zero Down Loan offers zero-down-payment financing — meaning you can buy a home without putting a single dollar down. And, depending on the market where your dream home resides, it's possible to get the seller concessions to cover most of your closing costs -- essentially allowing you to bring a small amount to the closing table. Often times, we see buyers get a check at closing, that's right GET!

It’s designed to empower individuals and families, especially in communities that have historically faced barriers to homeownership. Best of all, Cadence Bank pairs the program with personalized financial guidance to set you up for long-term success.

📝 Start Here: The Questionnaire Is Your First Step

To begin, you should take 10 minutes to fill out the short questionnaire.
Once submitted, Jose at Cadence, will personally reach out to guide you through the next steps.

From there, one of two things will happen:

1. If you’re already in good shape, Jose will share exactly what documents and steps are needed to move forward.

2. If your credit needs a little work, he’ll connect you with Operation HOPE — a free, nonprofit program offering one-on-one credit counseling and homeownership preparation.

This simple process ensures that every buyer gets the help they need to become mortgage-ready, no matter where they’re starting from.

🤝 Free Credit Counseling Through Cadence Bank

Cadence Bank believes informed buyers make stronger homeowners. Through their partnership with Operation HOPE, you can receive free, personalized credit counseling to help you:

• Boost credit scores

• Build a stronger financial foundation

• Understand your home-buying options

This program removes the guesswork, replacing stress with clear direction and professional support. Start by answering this short questionnaire.

📞 Your Loan Officer Contact

Jose Rodriguez
Cadence Bank – Bishop Arts District in Dallas
📞 Office: 469-709-4922
📱 Cell: 972-849-4225
✉️  jose.rodriguez@cadencebank.com

👉 [Click Here to Fill Out the Cadence Bank Questionnaire] 

🌟 Final Thoughts

With no down payment required and free credit guidance included, the Zero Down Loan gives buyers a real shot at owning a home — not someday, but today.

So if you’ve been sitting on the sidelines waiting for “the right time,” this is it.
Take ten minutes to complete the questionnaire, connect with Jose, and discover how close you already are to holding the keys to your new home.

***Eligibility requirements, qualifications and loan subject to change without notice. Borrower and property must both qualify for the mortgage loan and will be determined by Cadence Bank, loan officer, processors, underwriters, etc. This is not a promise or guarantee of qualification based off of the contents of this article, but information deemed reliable to help give borrowers options in their homeownership goals through informing about local opportunities that might be helpful or useful.