The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

How to Buy a Home With a Financed Down Payment

By Scott Sheldon / September 10, 2026

A financed down payment program may help qualified buyers purchase with little or no down payment. Learn the payment tradeoffs and who it may fit.

Building or Buying a Home with Little or No Down Payment: What to Consider

By Scott Sheldon / January 7, 2024

Title: Building or Buying a Home with Little or No Down Payment: What to Consider Are you dreaming of owning a home, but have little or no cash for a down payment? If you’re in this situation, you might be wondering whether building or buying a home is the right option for you. Both scenarios…