The Zero Down Programs have been eliminated or another name was the 80/20 loan.
As you know, the hardest part of buying a home is trying to save the large down payment required to buy a home but there are some circumstances that allow for 100% finacing or as little as 3% to 5% down payment.
For the average home buyer, the down payment is hard if not possible, and in most cases, just not smart.
Even the 5% down programs are out of reach for most people but reachable. 

The current programs available can minimize the need for a down payment.
Even if you have cash, The question is, why would you give it up your cash when the return on your money or  the payment on your new mortgage payment is not so differnt.
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, downgrading or upgrading well NOW, you need to take the next step and apply.
 
This service is FREE and painless. 

It could happen all you have to do is apply.