100% Financing Mortgage Loan - Homebuyer Advantage

For many people, coming up with cash for a down payment on a home purchase can be a bit daunting. If you're ready to move into a new home but haven't quite saved up enough funds, or you prefer to keep more cash in your pocket, we may have the perfect solution. 

The dream of homeownership is within reach with a Homebuyer Advantage loan. This program will allow qualified members to finance the home of their dreams at 100% of the purchase1

How does 100% Mortgage Financing work?

At We Florida Financial, you will have your choice from the new hybrid 10/1 adjustable rate mortgage loan. No down payment is required to purchase your home and you will only need what is required at closing2. This allows you to keep more money in your pocket! 

See Current Mortgage Rates

Apply Online


Call us at 954-745-2400 or 800-230-0200 and select option 4.

Need a trusted real estate agent to help you find your next home?

We Florida Financial's Real Estate Services can pair you up with a professional easily and quickly. Find out how you can earn a cash bonus just for using our Real Estate Services! 


1 Available for the purchase of an owner occupied primary residence of a detached single family home, townhome, villa or Planned Unit Developments (condominiums are not eligible); property must be located within We Florida Financial’s field of membership; Private Mortgage Insurance (PMI) required; maximum loan amount $484,350.00; loan terms and conditions depend on credit qualifications, approval, property valuation and insurance requirements.

2 Borrower responsible for closing costs, escrow and two months reserves that may not be financed or gifted.

We Florida Financial membership is required. Membership is open to individuals who live and work in select counties from Key West to Jacksonville. Members must maintain a savings account with a minimum balance of $5 for the duration of their membership.

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