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Well Amy,
I can't say that it is a positive outcome but there are other ways to obtain 100% financing. I too agree that with the recent market and rate of foreclosure that it is a smart move to require borrowers to have some of their own funds invested into the deal so they are less likely to walk away when the going gets tough, but There are different programs available dependent on the type of loan and type of borrower we can still help prospective homeowners achieve their goal of homeownership with No money torwards down payment. It has hurt the application flow, the 100% being gone, but mostly because NO ONE is pushing to combine these programs and get the news out there that it is still possible to own a home with ZERO down.