Applying for a loan can be costly and confusing. Most first time homebuyers are not aware of all the expenses associated with financing the purchase of a new or existing home, which is why we only specialize in no money down financing and discount the price of our homes to include all the closing costs, in other words, everything is incorporated in the sales price of our houses and there are no last minute surprises in out-of-pocket expenses.

Vasta Development is the exclusive contractor representative in the Bay County area for a not-for-profit lender that has specialized in affordable home mortgages for over two decades. Our free, personalized, and comprehensive counseling addresses your particular credit and financial issues to determine a mortgage payment that’s right for you. Unlike traditional lenders, our underwriting standards are “character based” not limited by credit scores or debit ratio calculations. This enables us to assist working folks who otherwise would not have access to an affordable mortgage. Therefore, the vast majority of homebuyers we help are moderate to middle income households where many do not have perfect credit or substantial savings.

The Best Mortgage Program in America

• 2.5% Fixed interest rate for 30 years
• No Down Payment
• No Closing Costs
• No Application Fee
• No Private Mortgage Insurance
• No perfect credit history
• Emergency financial assistance to prevent foreclosure
• Lowest monthly payment, period