How to buy a home with little or no down payment

By Stephen | July 24, 2025
Image of Stephen Palermo sitting in front of Visalia Office Gold Standard mortgage Logo explaining Buy With No Down

Buy With No Down—with Stephen Palermo Buying with no down payment may sound impossible. But with the right Visalia housing loan solutions, it’s entirely possible. As Stephen Palermo with Gold Standard Mortgage, I help buyers understand how to take advantage of programs designed for minimal or zero down. Many first-time buyers struggle with the upfront…

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CalPLUS Conventional & CalPLUS Access Conventional Programs

By Stephen | June 5, 2025
Image of Stephen Palermo sitting in front of Visalia Office Gold Standard mortgage Logo explaining Buy With No Down

CalPLUS Conventional & CalPLUS Access—with Stephen Palermo The CalPLUS Conventional & CalPlus Access Program helps first-time buyers with a fixed-rate mortgage and closing cost assistance. I often recommend it as part of the Visalia housing loan solutions I provide. Let’s go over eligibility, interest rates, required education, and how to apply. You’ll find out if…

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