Zero Down Home Loans for Self-Employed Borrowers

With Tony McConnell at The Mortgage Krew, Zero Down Home Loans are designed for self-employed borrowers across California who want to purchase a home without a large upfront down payment. These programs make homeownership accessible for borrowers who may have the income and financial stability to support a mortgage but prefer to preserve cash for business, investments, or personal needs.
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Qualify Without a Large Down Payment

With Tony McConnell at The Mortgage Krew, Zero Down Home Loans allow borrowers to secure financing using alternative income verification, such as bank statements, P&L statements, or 1099 forms. This approach helps self-employed borrowers overcome one of the most common hurdles to homeownership—saving for a down payment—while still qualifying for competitive loan terms. Tony McConnell at The Mortgage Krew guides borrowers step-by-step to demonstrate their ability to manage monthly mortgage payments without requiring a large upfront investment.
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Ideal for Self-Employed Professionals and First-Time Buyers

With Tony McConnell at The Mortgage Krew, Zero Down Home Loans are perfect for self-employed professionals, entrepreneurs, and independent contractors, as well as first-time homebuyers who may not have accumulated significant savings. This loan program provides an opportunity to enter the housing market sooner while still maintaining financial flexibility. Tony McConnell at The Mortgage Krew ensures each borrower receives personalized guidance to identify the best loan structure for their situation and long-term goals.
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Benefits of Zero Down Home Loans

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Purchase a Home with No Down Payment Ideal for self-employed borrowers who want to preserve cash flow.

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Accessible for Self-Employed Professionals Perfect for entrepreneurs, freelancers, and independent contractors.

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Flexible Loan Structures Financing available for primary residences, investment properties, and multi-unit homes.

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Streamlined Approval Process Focus on income verification rather than a large down payment reduces delays and speeds up closing.
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Flexible Loan Terms and Options

With Tony McConnell at The Mortgage Krew, Zero Down Home Loans come with a range of financing options, including fixed-rate and adjustable-rate mortgages, various term lengths, and competitive interest rates. Borrowers can use this program for primary residences, investment properties, or multi-unit homes. The flexibility of Zero Down Home Loans allows self-employed borrowers to start homeownership without tying up cash, while structuring payments to fit their income and financial strategy.
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Why Choose Us

With Tony McConnell at The Mortgage Krew, self-employed borrowers across California receive mortgage solutions built specifically around real-world income, not rigid lending formulas. Traditional lenders often struggle to properly evaluate self-employment income, which leads to unnecessary denials or delays. At The Mortgage Krew, every loan strategy is designed to reflect how entrepreneurs, business owners, and independent professionals actually earn and manage money.

We are known for

We are known for offering alternative income options, including bank statement loans, P&L loans, 1099 income, asset utilization, and WVOE programs.

With Tony McConnell at The Mortgage Krew, every mortgage is structured around the borrower’s financial reality—not generic lender templates.

Clients choose The Mortgage Krew for honest guidance, clear expectations, and consistent updates throughout the loan process.

We are known for thorough preparation, lender-aligned submissions, and smooth closings that keep transactions on track.

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Why Choose Rapid Closing?

Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.

We are known for

Fast & Reliable Closings – Streamlined processes that save you time and stress.

Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.

Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.

Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.

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"FAQs"

Yes. With Tony McConnell at The Mortgage Krew, self-employed borrowers have access to flexible loan programs such as bank statement loans, P&L loans, 1099 loans, asset utilization, and WVOE options designed specifically for non-traditional income.

Not always. With Tony McConnell at The Mortgage Krew, many programs allow qualification without tax returns, using alternative income documentation instead.

Yes. With Tony McConnell at The Mortgage Krew, zero down home loans and CalHFA FHA programs may be available for eligible California borrowers.

Yes. With Tony McConnell at The Mortgage Krew, ITIN Premier and ITIN Close Call loan programs are available for borrowers without a Social Security Number.

With Tony McConnell at The Mortgage Krew, properly prepared loans typically close within standard timelines, and proactive guidance helps avoid unnecessary delays.

Streamlined Process for Self-Employed Borrowers

With Tony McConnell at The Mortgage Krew, Zero Down Home Loans are structured to simplify the application process for self-employed borrowers. By focusing on income verification and eligibility rather than large down payments, underwriting is faster, more predictable, and tailored to the needs of business owners and independent professionals. Tony McConnell at The Mortgage Krew works closely with each borrower to prepare documentation, submit applications correctly, and navigate lender requirements for a smooth and efficient mortgage experience.