05/29/2025
🏡 ZERO% Home Loan Program
Up to $300,000 in financing — Built by Cat5Building
✅ Qualification Requirements
Loan Types: FHA, VA, Conventional — Bank to Borrower
Minimum Credit Score: 670
Verified income required
Down Payment: 0% to 3%
Closing Costs: Split 50/50 with Freedom Fate Foundation
Property Location: Your lot or land
📊 The Math Breakdown
To reduce interest from 7% to 0% for 5 years, it costs:
💰 $20,000 per $100,000 borrowed
On a $300,000 loan → $60,000 buydown
Freedom Fate Foundation will cover part of the cost and seek grants/donations to help offset the rest
📅 Loan Terms
30-year loan
First 5 years → 0% interest
💵 Monthly payment: $833
After 5 years → Adjusts to market rate
📈 If rate is 7% → Monthly payment: $1,995
🔁 Buy-Down Repayment
Total buydown: $60,000
Foundation helps secure up to $20,000 in grants
Remaining $40,000 repaid to the bank:
Upon sale of the home within 10 years
Or as otherwise negotiated
💡 Why This Matters
Most families can’t qualify for a home today. Renting is:
Too expensive 💸
Too limited 🏚️
Even with mortgage approval, your payment might be $2,000/month.
👉 Our solution:
5 years of affordable homeownership
Just $833/month
🏠 The Homes: Built to Last
Our homes are:
✅ Monolithic
✅ Storm-proof
✅ Fireproof
✅ Bug-proof
✅ Soundproof
✅ Beautifully designed
We call them:
✨ Homes for Life, Homes for Living
🌿 Eco-Friendly Advantage
Most eco-efficient homes in America
R-35 insulation → Lower power bills
📈 Home Value Growth
Estimated 5% annual appreciation
In 5 years: Home could gain ~$100,000 in value
Helps offset interest subsidy
🛡️ Home Insurance Advantage
Major insurers offer discounts due to durability
💬 Our Philosophy
“Experience Speaks a Different Language.”
