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1% Down Conventional Loans

Opening the path to homeownership with just 1% Down

1st Time Home Buyers

Homeownership has never been easier.

At PCG Mortgage, we understand that buying a home is a significant milestone. By offering 1% down conventional loans, we are opening the doors for individuals looking to buy a home that don’t have a large down payment to give.

Buy Home: PCG Mortgage Loan Application | PCG Mortgage 1


1% Down Conventional Loan: How does it work?

In order to make homeownership more accessible to our community, we’ll cover the majority of your down payment! You’ll only need to contribute 1% of the purchase price or appraised value. 

Buy Home: PCG Mortgage Loan Application | PCG Mortgage 2
Buy Home: PCG Mortgage Loan Application | PCG Mortgage 3

1% Down Conventional Loan: Minimum Credit Score?

You need a credit score of at least 620 to be eligible for this program. Your credit score helps us determine your financial health and ability to repay the loan. If you’re unsure about your credit score, don’t worry! We can help you check it and provide guidance on improving it if needed.

A Step-by-Step Mortgage Process

PCG Mortgage offers a simplified mortgage process that guides you from pre-approval to closing. With our step-by-step approach, you’ll have a clear understanding of each stage along the way. Get started today and experience a seamless home buying journey. Learn More.


During the pre-approval stage, we’ll assess your financial situation and determine the loan amount you qualify for. Our team will guide you through the necessary documentation and help you gather the required information.

Loan Selection

Once you’re pre-approved, it’s time to select the loan that best fits your needs. We’ll provide you with options and assist you in comparing interest rates, terms, and repayment options.


After you’ve chosen your loan, our underwriting team will review your application and verify the information provided. We’ll work diligently to ensure a smooth and efficient process.


Finally, it’s time to close on your new home. We’ll coordinate with all parties involved, including the seller, real estate agents, and attorneys, to ensure a successful closing. Get started with PCG Mortgage today and experience a stress-free home buying process.

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