$100 Down



You have been invited to take advantage of PhoneOps $100 Down Program. This wonderful program is designed for people that is/are:

Tired of Renting

Tired of spending money fixing up their Landlord's property

Tired of moving from place to place


Only have little money saved





Or Widowed

Ready to finally Own your Own Home!


If you fall into one of the above, then our program is great for you. PhoneOps $100 Down Program is only available for selected properties and they are going like Hot Cakes so your dream home may not be available for long!!!

With this program, your down payment amount is only $100. This down payment doesn't include your Earnest Money Deposit nor your closing cost. Compare it to Renting: Your 1st month rent would be your down payment, your Security Deposit would be your Earnest Money deposit and your Last Month's rent along with a 2nd and possibly 3rd Security Deposit would be your Closing Cost.


Using the example above, when you pay a Security Deposit on a rental, the Landlord takes the unit off the market for you as you are showing that you are serious. In this same example, when you get pre-approved for PhoneOps $100 Down Program, you will view the property with your assigned Realtor or Realtor Assistant.

If you want the property, you will sign the Agreement of Sale AOS and the Realtor would submit to the Listing Agent. If your AOS was accepted, you'll then have to pay the Earnest Money Deposit so the Listing Agent can take the property off the market.

The Earnest Money Deposit amount is $500 for properties under $50,000 and $1,000 for properties over $50,000 and this is paid to either the Title Company or the Listing Agent. PhoneOps does not collect these funds from you. Your Earnest Money Deposit will go towards your closing cost at settlement.


When you have settlement, there are fees associated with closing. The Title Company has fees to prepare for closing, there are transfer fees, recording fees, mortgage doc fees, deed doc fees, intangible fees, other Title Company fees and Lender fees. All these fees are collected at closing. It can range from $1,500 to $7,000+ depending on the sale's price and the state the property is in.

Most Lenders charge anywhere between $500 to $1,000 in fees so that's not that bad. To get an idea of what Title Companies charge, go to: First American Website, click All Fees, put in the basic information and click next. This is just to have an idea of what the Title Company will charge on top of what the Lender will charge. As a reminder, your down payment is only $100 and your Earnest Money Deposit will go towards your closing cost.

You may also get up to 3% of the Sale's price to go towards your closing cost. Your assigned Realtor will negotiate back and forth with the Listing Agent to get assistance for you on your behalf so this is a PLUS for you. Example: Say the property you want is $50,000, 3% of $50,000 is $1,500. This extra money will definitely help you with closing cost so the Realtor that we will assign you to will work hard getting these additional funds for you.


This program has specific guidelines. View below:

Must have income
(paystubs, SSI, ect)

PhoneOps must pull your Tri-Merge Credit, No Exceptions

As low as 580 FICO


Must have Down Payment

Must have Earnest Money Deposit

Must have Closing Cost



* Must be able to show proof of income

* Application Fee $295 WAIVED

* A Tri-Merge Credit Report fee of $45

* A valid Driver's License or State ID

* Must have a Checking Account

* A Social Security number



We are extremely busy with our awesome programs so our time is limited. Only complete this online application if you are really serious in PhoneOps $100 Down Program and ready to move forward after completion. Once your application has been submitted, you'll be re-directed to our Check List Page. There you'll go to and download the $100 Down Check List and start uploading your documents to our site. We'll work hard in getting you pre-approved then we will assign you to a Licensed Real Estate Agent for showing in a timely manner.

"$100 Down Program" Online Application