Best Mortgages Lenders for 2025.
Today a mortgage can be obtained with a down payment as low as 3%, and in certain cases, individuals may qualify for specialized government-backed programs that allow for a zero down payment. Here's the Finance Monthly round up of the Best Lenders for Low- and No-Down-Payment Mortgages for 2025.
| Lender | Finance Monthly Rating | Best For | Min. Credit Score | Min. Down Payment | Learn More |
|---|---|---|---|---|---|
| Veterans United | 5.0/5 | VA loans | 620 | 0% | Veterans United |
| Rocket Mortgage | 4.5/5 | Home loans overall | 620 | 1% | Rocket Mortgage |
| NBKC | 4.5/5 | Home loans overall | 620 | 3% | NBKC |
| Northpointe | 4.5/5 | Home loans overall | 620 | 3% | Northpointe |
| PNC Bank | 5.0/5 | Home loans overall | 620 | 3% | PNC Bank |
| Rate | 5.0/5 | Digital convenience | 620 | 3% | Rate |
| Pennymac | 5.0/5 | Buyer assistance | 620 | 3% | Pennymac |
| SoFi | 4.5/5 | Conventional loans | 620 | 3% | SoFi |
| First Federal Bank | 4.5/5 | FHA loans | 580 | 3.5% | First Federal Bank |
| Flagstar | 5.0/5 | Variety of loan types | N/A | 5% | Flagstar |
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