Hard Money

Private Money

Richmond Mortgage Inc.

Hard Money, Private Money

How to Borrow with Nothing Down

June 13, 2025 by Grace Harnois

We have flexible strategies that can help you keep cash in your pocket while still moving forward. Hear our owner, Mike Krumbein, talk about what to expect from the process.

4 ways you can borrow with zero down:

Additional Collateral – Use equity in another property or asset as a substitute for a traditional down payment.
Second Mortgage from the Property Seller – Sellers could be open to carrying a second mortgage to help bridge the gap.
Repeat Borrower Advantage – Because you’ve worked with us before, you may qualify for lower upfront requirements.
New Construction Joint Venture – Perfect if you’re building from the ground up. The lot seller agrees to wait for their payment until after the house is built and sold. We fund the construction (secured by a first deed of trust), and the lot seller is protected with a second deed of trust lien.

Fill out our 5-Minute Loan Application to take the first step.

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Address:
P.O. Box 6784
Richmond, VA 23230

Mike Krumbein: 804.414.8690
Lisa Girardi: 804.414.0536
Fax: 804.288.1899

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