The ZERO Interest Program

( ZIP )

March 23, 2025

  • A 30-year (360 months) loan at prevailing interest rates today (7%) for each $100,000 financed costs $665 monthly. The ZIP program allows new homeowners for the first 60 months a ZERO interest loan which costs $277 monthly. The differential or loss to the investor over the five years would be $23,280.
  • The blue-collar worker who buys a decent home at today’s prices will pay $400,000. The normal payment at 7% would place his payments at: $2660 per month. The ZIP program would cost him $1108 per month. But the Investor would lose $93,120.
  • How do we pay back the investor/bank? It’s not as complicated as you think it is simple. The purchaser agrees to allow the bank an equity kicker in the home’s eventual sale. A $400,000 home will be appreciated by 5% per year, which covers the investor at the end of the 5 years. If the home sells in five years, the bank receives the amount due first from mortgage proceeds.
  • The homeowners would start paying going interest rates at the end of the five years, whatever the going rate is. Assuming 7%, the payments would be $2660 monthly. But naturally, the homeowners, for five years, have increased their income. Besides, even if this seems harsh, it is NOT, they lived in a HOME they could not afford five years prior. The only option at that time was to rent a home, HA! Good luck, first, few, if any, homes are for rent and the few are way overpriced. And, of course, they do not allow pets, and the rent increases will shock you.
  • Another PLAN brought to you by President Trump and Mr. Elon Musk, who is in charge of DOGE, can take the savings in the “Trillions” and apply it to the ZIP program to subsidize investor losses.
  • One TRILLION DOLLARS divided by the bank losses of $100,000 over five years would place 10,000,000 million families in homes. Doing 100,000 homes per year in the ZIP program would cost $5 billion and in ten years we could build One million homes for $50 billion.
  • The economy would BOOM, the added construction workers would ZOOM, the added appliances would ZOOM, and the homeowner would have more cash to spend, once again adding a BOOM to the economy.
  • My MILLION HOME build program would excel, and using my building methods SAFE, STRONG, FASTER, EFFICIENT, insurance companies would reduce the rates by 50%.
  • With my Cat5Building company giving up 40% of the profits to my Freedom  Fate Nonprofit, those monies would provide the closing costs to new QUALIFIED homeowners. And the Republican party would NEVER lose another election. And it is NOT a giveaway for the buyers, it is a loan, and it has to be paid back upon the sale of the home, PERIOD! It will be a part of the recorded deed, Any lien placed on the property during this period will be inferior to the master lien; in short, they will be second place

 

  • How can I do this? Hiring thousands of general contractors all over the US is not complicated. They go to an online school to teach them the SCIP panel-building methods. On average, they will earn 15% profit
  • DOGE only places $5 billion a year for ten years($50B), which will build 100,000 homes per year or one MILLION homes in Ten Years. That program would ensure all banks are subsidized and incentivized to make these loans. Everyone wins.
  • *ALL BUYERS must make a 3% down payment; the buyer must have a stake. Otherwise, it would be a giveaway crap government program. They also have to pay some of the closing costs not to exceed 1% of the home sale price; FreedomFate will absorb the balance of the closing costs Call it the “BUYLIKERENT” program. All are based on the ZIP loan program.
  • It is almost impossible to find a home for rent, and if it is even a bit comparable to OUR GREAT Homes, the rent would be at least $3000 a month, upwards of $6000 in certain areas. The landlord would want the first, last, and security and you lose so much more; if you own, you get to write off all the interest and taxes, and in some cases, the insurance. No landlord can stop you from having a pet, and the biggest kicker is the appreciation of any home.