Top 10 Best Lenders for Low- and No-Down-Payment Mortgages for January 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 10 Best Lenders for Low- and No-Down-Payment Mortgages for January 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