Start your homeownership journey today with expert guidance and 100% financing options. We connect you with trusted lenders who make it possible to buy without down payment.
Qualify for programs that cover your full home price, helping you buy sooner without saving for years.
Get real loan options in minutes with clear terms, no hidden fees, and no surprises.
Work with trusted loan officers who understand your market and connect you to top lenders across the U.S.
Whether you’re buying your first home, refinancing for better terms, or using your VA benefits, NHBAP helps you choose the program that fits your goals and budget.
Buy Your First Home with Confidence
Start your journey with expert guidance and flexible loan programs that make owning your first home possible, even with zero down.
Lower Your Rate or Tap Your Equity
Refinance smartly to reduce monthly payments, shorten your term, or access your home’s equity with simple, transparent options.
Put Your Service to Work for You
Eligible veterans and service members can access VA-backed mortgages with no down payment, competitive rates, and fewer fees.
Our no money down options include trusted federal and lender-backed programs like VA loans, USDA loans, and special 100% financing plans that make homeownership possible with little to no upfront cash.
These programs are designed to help first-time buyers, veterans, and qualified borrowers secure affordable financing without depleting their savings.
You’ll still enjoy competitive interest rates, flexible terms, and expert guidance from our licensed loan officers who ensure you understand every step before you close.
If you’re purchasing a home, refinancing the one you have or want to learn more about how mortgages work, we want to make sure you have all the tools you need. That’s why we provide technology, education and customer service to help you with the mortgage process – from applying, to getting approved, to managing your loan.
NHBAP, short for National Home Buyers Assistance Program, connects aspiring homeowners with trusted mortgage lenders and expert loan officers across the United States.
We specialize in guiding buyers through affordable home financing solutions - including 100% no money down programs, first-time buyer assistance, and refinance options tailored to every budget.
Whether you’re purchasing your first home or exploring better rates, NHBAP helps you compare, qualify, and close with confidence.
You don’t need to pay out of pocket to close your refinance loan with National Home Buyers Assistance Program®. In fact, we only connect you with the best and trustworthy lender officer near you.
Yes - eligible buyers may qualify for zero down programs via VA, USDA, or specialized 100% financing plans. Note: closing costs and eligibility rules may still apply.
Requirements vary by loan type. Many FHA and USDA options accept scores starting around 620. VA and conventional programs may have higher thresholds. Your debt-to-income ratio, employment history, and credit behavior also factor in.
Refinancing replaces your existing mortgage with a new one. People typically refinance to lower their interest rate, reduce monthly payments, shorten the term, or get cash out of their home equity.
On average, the process takes 30 to 45 days, though it can be shorter or longer based on appraisal scheduling, paperwork speed, title work, and underwriting. Be prepared for delays if documentation is missing or the property has complications.
A new home or mortgage savings could be just a few screens away. Get started now – no commitment involved.
Read easy, actionable articles that simplify mortgages, credit, and buying your first home.
Learn the key differences between FHA, VA, and conventional loans. Discover which mortgage fits your goals and connect with trusted loan officers through NHBAP.
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