Zac Cetrone Home Loan Expert

06/02/2026

Same day approval and clear to close from underwriting 🥷👀

04/28/2026

05/21/2025

Happy closing day! It would have been faster if we were able to find the HUD tag on this manufactured home (new siding over it), but still got the loan closed quickly like my client wanted!

07/12/2024

05/22/2024

0% Down Payment Conventional Loan!

First Time Home Buyers do not need to meet 80% AMI, and must have 700+ FICO

Must put 3% or 5% down, and the lender (UWM) will cover 3% of the down payment for you up to 15K! This 3% will be added as a 2nd mortgage on your home, must be paid off prior to selling/refinancing unless you refinance with UWM, and they will subordinate the 2nd lien.