Our zero cost program will cover all closing cost including origination fee from lender. Our program will also cover fees from third party such as fees for appraisal company and title company. At closing, our clinets don't need to pay at all and none of the cost will roll into client's mortgage.

As a loan originator, I strive to provide no points, no cost mortgages with interest rate to my clients. If you're thinking that I give my clients higher rates for their no points no cost home mortgage, just simply check the daily interest rate from my website. In fact, the rates I provide are the lowest rate in the market.

With our zero cost program, we never roll any fees into client's mortgage at closing.

The reason I can provide low interest rate mortgage with no points no cost is simply because:

1. I mainly work with wholesale lenders who offer loans at lower interest rate and lower closing cost. That's why I can offer no points no cost loan with low interest rate.

2. I do not charge any fees from my client; I don't charge junk fee like application fee or preparation fee.

It's just simple like that.