The Zero Down Programs have been eliminated. As you know, the hardest part of buying a home is trying to save the large down payment required to buy a home. For the average home buyer, putting 20% down is just not possible, and in most cases, just not smart. Even the 5% down programs are out of reach for most people. Imagine if the need for a down payment was eliminated. With current programs, the need for a down payment has been minimized. Even if you have cash, why would you give it up when the difference in mortgage payments is so minimal it just makes sense to find more useful things you can do with your hard earned money.

If you are serious about becoming a homeowner NOW, you need to take the next step and apply to see if you can become a homeowner. This service is FREE and painless. Imagine what it would be like to own your own home. It could happen, but won't unless you make the effort and try.