Football is Hard.

Saving for a Down Payment Doesn't Have To Be.

Dat Nguyen
Hurst Lending Partner
Former Pro Football Player and Coach

Learn More

Low Down Payment Options

Home: One Percent Down Mortgage2020-03-04T16:37:47+00:00

One Percent Down Mortgage Loans

We built this site in 1996 to highlight a what was then a new 1% down Fannie Mae program.  Fannie Mae unfortunately made the decision to discontinue this program for all loans locked after May 31, 2018.  Since we put the effort into building this site we decide to keep it up and running to let people know that this program ended but also to let customers know that we still offer a number of low down payment loan options. With these programs, you don’t need a 20% down payment to buy a home.  One or two month’s rent could be enough down payment to buy your own home (0% down program for vets and 3% down program for all other borrowers).      

Call today! 1-877-292-7350

3% Down Payment Conventional Mortgage

  • 3% Down Home Loan

  • Conventional Mortgage
  • 30 or 15 Year Fixed
  • Competitive Low Rates
  • Close in as little as 30 days.

Low Down Payment Mortgage Loans with No PMI

  • 0%, 3% or 5% Down

  • No PMI (Private Mortgage Insurance) Required
  • Low Conventional Mortgage Rates
  • Low Down Payment Mortgage Programs Available in Select Counties

Unique loan products to help you get the home you deserve!

As a mid-size lender, we are able to find creative ways to meet our customers’ unique needs.  We don’t think you should have to save a 20% down payment to be able to buy a home, so we are offering the lowest down payments available on the market, even one percent down payment mortgages.

0% Down Construction Loans

Build your dream home with NO down payment
low down payment construction loan icon
Learn More

Low Down Payment Jumbo Loans

Jumbo Loans with just 10% down.
low down payment jumbo loans icon
Learn More

Bridge Loans

Avoid having to sell your old home before you buy your new home.
bridge loan icon
Learn More

Non-Warrantable Condo Loans

Don't let that dream condo slip thru your fingers because the condo is located in a non-warrantable condo project.
non-warrantable condo loan icon
Learn More

Questions? We’d be happy to discuss your options. Contact us!

Why Choose Us?

Outstanding Customer Satisfaction

Closed on our first home his morning and the process went great. Jay and his team do an outstanding job with communication and explaining everything along the way. For a first time buyer, they do a great job with every single step in the process.
Texags Forum
Hurst got me a great deal. I bought a new home so initially I dealt with the builder’s “preferred lender.” I told my builder’s “preferred lender” what Hurst’s offer was and he stated “sounds too good to be true, you sure he has everything included in his gfe?” Well, it was true and I couldn’t be happier!
He beat our builder’s lender’s offer, was a whole lot easier and nicer to work with, answered our questions, and we closed on time. AND we got to work with Aggies all around.
We closed on our house with Jay in November. He did a great job for us as well. We had a few issues that were out of the ordinary, and he helped us get through underwriting on time and close on the original date.
TexAgs Forum

Repeat & Referred Business


Successfully Closed Loans/Year

Industry Awards

Top 1% Loan Producers in the U.S.

aggie100 winner logo2012 & 2013

Family Owned.

Still A Family Business

Founded by Jay Hurst and Scott Bialek, Hurst Lending & Insurance – and its divisions, such as our low down payment mortgages division – is managed Jay, Scott and their families. While the mortgage industry is known for high turnover rates, Hurst Lending is recognized for providing consistent, personal service to our customers. That’s why more than 70% of our mortgage and insurance business is from repeat or referred customers!

Jay Hurst & Family

Jay Hurst & Family

Scott Bialek & Family

Scott Bialek & Family

Not Just Lenders. Problem Solvers.

Lots of mortgage lenders can offer a good rate on a conventional loan.  We can too – in fact, our rates are some of the best around.

The difference? Hurst Lending finds ways to make the deal work when your mortgage needs are outside the “conventional loan” box.

Look to us for low down payment mortgages, even low down payment jumbo loans, and other flexible options to help you achieve your goals.

More Specialty Loans
More About Us

4 Steps to Prepare for House Hunting

April 24th, 2015|

A recent CNN Money article summarized movement in the housing market so far in 2015. They stated that: “On a national level, 40% of homes moved off the market in the two-month period, a slight increase from 38% during the same time period in 2014, [...]

Nervous About Taking on a Mortgage?

December 9th, 2014|

We don’t re-publish a lot of content, but this weekend Jonathan Clements wrote a great article in the WSJ that explains why taking out a mortgage can be a great financial strategy.  I liked it so well, I have published it here, almost in its [...]