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Zero-down payment mortgages are back:

Several major lenders are offering 1 percent down payment loans, and now a large national mortgage company has gone all the way, requiring absolutely nothing down. Movement Mortgage, a top 10 retail home lender, has just introduced a financing option that provides eligible first-time buyers with a nonrepayable grant of up to 3 percent. This allows applicants to qualify for a 97 percent loan-to-value ratio conventional mortgage — essentially zero from the buyers, 3 percent from Movement.
[...]
The U.S. Department of Veterans Affairs also has been doing federally guaranteed zero-down loans for years.

In the case of Movement's new plan, the mortgages are being originated for sale to giant investor Fannie Mae, which operates under federal conservatorship.

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