RWM Zero

Turn your homeownership dreams into reality without the stress!

What Is RWM Zero?

Follow your homebuying dreams with 100% FHA financing! Our RWM Zero program allows you to relieve your down payment savings stress and purchase your next home with ease. Whether you are a first-time homebuyer or a repeat homebuyer, we can support your goals. Apply today and start your journey towards the perfect home!

RWM Zero Highlights

Credit scores as low as 600

No first-time homebuyer requirement

Non-occupant co-borrowers allowed

No income limitation

Flexible debt-to-income requirements

Single-family residences, townhomes, condos, PUDs, attached, detached, modular, and manufactured* property types

Primary residences only

1-2 units allowed

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Terms & Conditions

Financing details are for educational purposes only. All views and opinions do not constitute financial or legal advice and reflect requirements at the time of publication. Rates, program terms, fees, and conditions referenced are subject to change without notice. Not all products are available in all states for all amounts. All mortgage applications are subject to underwriting guidelines and approval. This is not an offer of credit or a commitment to lend. Residential Wholesale Mortgage, Inc. dba RWM Home Loans is an equal housing lender licensed by the CA Department of Real Estate #01174642 and CA Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. NMLS# 79445

Mortgage Lending Simplified

Download the free RWM Home Loans Fluid Mobile App today and get started on your journey to homeownership.

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REAL TIME LOAN UPDATES

Constant communication of needs and issues. Drafting of key documents in timely way. Friendly interactions and commitment to service.

Noah B.

Good communication, great staff and high level of professionalism.

James G.Company Name

The team was tremendously attentive to our every need and only had our goals and best interests in mind. Would work with them again anytime.

Brian S.Company Name

Everyone on the team was really professional, helpful and dedicated to make the whole process as smooth as possible. Whenever we had a question or concern, we always received a prompt reply.

Andriry K.Company Name

Extremely responsive, website was brilliant, clear list of what we needed and stayed on us until it was complete, knew who to send us to for tax transfer from our previous house. We will definitely refer our friends and family to RWM.

Kirk C.Company Name

The communication on the process and the ability to sign documents electronically was a life saver. The availability and speed of answers were great.

Angelina B.Company Name

You helped me understand all my options, which made me feel more confident in the decision I had to make. You were on top of everything that had to be done and kept things moving in an efficient way.

Julie M.Company Name

The team was easy to work with and willing to answer all of my questions. They even worked with a notary in North Carolina so I didn’t miss my vacation.

Melody T.Company Name

Everything was fully explained from the beginning, and I felt like we worked as a team when we went step by step in our journey of getting financed for our first home.

Ana E.Company Name

Buying a house can be overwhelming but when you have someone you trust it makes it so much easier. We felt assured that we were in good hands and that we would get to the finish line during the escrow process.

Cassandra C.Company Name

4.9

348 Reviews

4.96

7522 Reviews

5.0

166 Reviews