You may not need a down payment to buy a home.
VA and USDA loans can offer eligible buyers 100% financing. Most people who assume they can't buy have never actually checked. Find out where you stand from someone licensed on both sides of the deal.
Check your options, it's free.
Drop your first name and email. Kari will personally look at VA, USDA, and down payment assistance options for your area and email you what may fit. No spam, no pressure, and checking costs you nothing. Here's what past clients say about working with her:
"From start to finish, she was incredibly helpful, patient, and always available to answer any questions I had. She made what could have been a stressful process feel smooth and manageable. Her professionalism, attention to detail, and genuine care truly set her apart."
"You will NOT find a better realtor! She worked with us in every step of our very long timeline. What made her shine the most was that she worked just as hard to get us permissions to look at land that would make her less money as she did with land that would make her more money. She was never pushy! Highly recommend!"
"Always answered all my questions, even when I was nervous she told me to trust her and I did. She kept her promises and was so friendly and easy to work with. I would send her to anyone looking for a new home. She knows her job well."
See what you qualify for
Rather talk it through? Call or text Kari directly at 402-578-5274.
Answered personally by Kari WittDual Licensed Realtor + Lender · NMLS 2265501 · Backyards to Barns
How buying with zero down actually works.
Two federal programs let eligible buyers finance 100% of the purchase price. Here's the plain-English version of each, plus what to do if neither fits.
VA loans, for those who served
Available to eligible veterans, active-duty service members, and certain surviving spouses. Zero down, no monthly mortgage insurance, and competitive rates. If you have military service in your history, this is usually the first program worth checking.
USDA loans, for eligible areas
Zero down for homes in USDA-eligible locations, and more of West Tennessee and the areas around Omaha qualify than most people expect. Household income limits apply and vary by county and family size. Kari can check a specific address or town for you in minutes.
Not eligible for either? You still have options
Down payment assistance programs in Tennessee and Nebraska can cover some or all of your down payment on other loan types, and some conventional and FHA options start at 3% to 3.5% down. Zero down is one path, and it's not the only one.
What about closing costs?
Honest answer: zero down doesn't always mean zero cash. Closing costs still exist, but seller credits, lender credits, and gift funds can cover some or all of them. Part of Kari's job is structuring the offer so as much as possible lands on the other side of the table.
One person. Both sides of the deal.
Most buyers get half the story. Their agent explains the house side, their lender explains the money side, and nobody connects the two.
Kari Witt is licensed as both. With 20+ years in real estate and mortgage lending, she can tell you which zero-down program fits your situation and then help you find the house to use it on. One person, one complete answer.
Serving buyers across West Tennessee and Greater Omaha, from backyards to barns.
Find out in one conversation.
You might be closer to owning than you think. Check your VA, USDA, and assistance options for free, with zero pressure and a real answer from a real person.
See What I Qualify For