CTYPE html> VA Triple Zero Loan Program | Broker Direct Lending
BROKER DIRECT LENDING

Transparent Wholesale Home Loans

$0 Down. $0 Closing Costs. 100% Your Home.

Buy a home with zero down payment, zero closing costs. Our VA Triple Zero loan program covers 100% of your closing costs.

100+ 5-Star Reviews
NMLS #1616086
CA DRE #02029610
Equal Housing
Limited Availability: Only 7 pre-approval slots left this month

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See If I Qualify for ZERO closing costs

(Takes 60 seconds. No hard credit pull.)

Stop Saving for Closing Costs!

The $0 down VA loan is a great promise, but it's not the full story. Most lenders still require you to bring $8,000 - $25,000 in cash for closing costs. This is the "cash trap" that forces you to drain your savings.

Our VA Triple Zero loan program eliminates this.

How We Cover ALL Your Closing Costs

This isn't magic, it's just math. We have engineered this program with our partners.

From Broker Direct Lending
$7,500
(1.5% Wholesale Broker Credit)
+
From Your Agent Partner
$2,500
(Buyer Agent .05% commission share)
=
Total Credit for Your Closing Costs
$10,000

* example based on $500,000 purchase price

Hear From Our Happy Homeowners

★★★★★

"As a first-time homebuyer, I feel incredibly lucky to have been referred to Marcus and his team. From start to finish, Marcus was nothing short of exceptional. He's a true professional..."

- Amber M.

★★★★★

"Marcus was extremely helpful when we decided to refinance. Very easy to get-ahold-of and very willing to answer any and all questions we had. I highly recommend him..."

- Chris K.

★★★★★

"We just recently purchased our first home & we could not have done it without Marcus's help! He kept us informed every step of the way & was always there to answer questions..."

- Miranda H.

See More 5-Star Reviews

See The Math For Yourself

Enter a sample sales price to see your estimated closing cost credit.

Calculate Your Total Credit

$
$
$

Your 1.5% Broker Credit

$7,500

Buyer Agent .05% commission share

$2,500

Total Closing Cost Credit

$10,000

Why Us? The "Wholesale Advantage"

The "Retail Lender" Path

Large retail lenders add a larger profit margin (e.g., ~3.5%) to the base rate. This combines to create the final rate.

Fannie/Freddie Base Market Rate
+
Retail Profit Margin (~3.5%)
=
Average lender Final Rate

The "Broker" Path (Our Way)

Our wholesale cost is lower (e.g., ~2.0%). By matching the retail rate, we give the 1.5% difference back to you.

Fannie/Freddie Base Market Rate
+
Wholesale profit margin (~2.0%)
+
Your 1.5% Credit!
=
Same Rate, $0 Closing Costs!

Our Simple 3-Step Process

1

See If You Qualify

Submit our 60-second form. (No hard credit pull).

2

Pre-Approved; Agent referral

We Pre-Approve you AND connect you to top VA agent who gives 0.5% credit.

3

Accepted Offer & Close

Keep your savings and Get your keys!

Frequently Asked Questions

Get answers to common questions about the VA Triple Zero program.

Who qualifies for the VA Triple Zero program?
This program is for any Veteran, Active-Duty, or surviving spouse who is eligible for a VA Home Loan. To get the "Triple Zero" (including the $0 Funding Fee), you must be a Veteran with a 10% or greater service-connected disability, a Purple Heart recipient, or a surviving spouse.
How do you cover ALL my closing costs?
We use our "Wholesale Advantage." As a broker, our cost to do the loan is about 1.5% lower than big retail banks. Our partner agent also contributes 0.5% of their commission. Together, this 2% credit is enough to cover all typical lender fees, title, escrow, and appraisal costs.
What if I'm exempt from the VA funding fee?
That's what makes this program so powerful. If you are exempt from the funding fee (typically due to a 10%+ disability rating), you get the full "Triple Zero": $0 Down, $0 Closing Costs (paid by us), and $0 Funding Fee (waived by the VA).
Can I use this program to buy any home?
Yes, you can use this program to purchase any home (single-family, condo, or 2-4 unit property) as long as it meets the VA's minimum property requirements and you intend to occupy it as your primary residence.
How long does the VA loan process take?
It's fast. Because we are a broker, we use streamlined technology and bypass the bureaucracy of big retail banks. We typically close loans in 21-25 days, compared to the 30-45 days you might see elsewhere.
What if I've used my VA benefit before?
You can still use this program! As long as you have remaining VA entitlement, you can buy again with $0 down. If you're not exempt from the funding fee, your subsequent use fee will be higher, but our 2% credit can still be used to pay it for you.
Do I need to work with one of your partner agents?
To receive the full 2% credit, yes. Our partner agents are VA-specialists who have agreed to contribute 0.5% of their commission to make this program work. If you use an outside agent, you will still receive our 1.5% broker credit, but you would be responsible for the remaining 0.5% of costs.
What are the income requirements?
The VA loan is more focused on "residual income" (money left over after bills) than a strict debt-to-income ratio. We look for stable, verifiable income (from a job, self-employment, disability, or retirement) that is likely to continue and can support the new mortgage payment and your family's needs.