GEM Benefits - First Millennial LLC

GEM/PEO Client VIP Home Loan Benefits & Services

Zero Down Payment! Up to $500k

As little as Zero% down payment for buyers purchasing up to $500k home and a 620 credit score

Less Than Perfect Credit Options

Credit scores as low as 580 ...Previous bankruptcies and foreclosures OK in some situations.

Limited Time On Job

As little as one month on the job or just graduated from school and still may qualify to purchase your New Home,

First Time Homebuyer

First time homebuyer programs.

Fastest Closings in the Industry

Fastest closings in the business ... Average only 21 days!

$0 Down for Vets

Veterans can buy for no money down with scores as low as 580.

Self-Employed/No Tax Returns

Self-employed and cannot show tax returns or don't show enough money? No problem! We have bank statement programs with no tax returns needed.

Commercial Property Finance

We can finance all types of commercial properties throughout the US ... up to $50 million.

Free Credit Counseling

Free counseling on how to improve your credit and potentially boost your scores.

Save an average of $1500 on title & closing costs fees!

Special new program on refinances and select purchase loans that allows borrowers to save an average of $1500 on title / closing costs ... no need to drive to title company to close. Sign and close your loan from comfort of your home on phone or PC!.

Lowest Rates in the Industry

As a partner with the number 1 mortgage Lender / Broker in the country we have access to some of the lowest rates in the industry.

580 Credit Score - 3.5% Down for Non-vet

Buy your new home with as little as 3,5% down payment! Zero down if you are a veteran!