Downpayment Assistance Programs

It looks like some lenders are becoming very skittish concerning downpayment assistance programs like those provided by Ameridream and most notabley the Nehemiah Foundation. Although these programs are completely legal and allowed within HUD guidelines some lenders are beginning to ask mortgage brokers to buy back loans that were secured with these programs. I had a client today receive a letter from a large national lender requesting that they repurchase a mortgage from the lender that was originated almost 10 months ago. I don't see how the lenders will be able to do this but it is an interesting trend that everyone in the real estate industry will have to keep their eye on.

Let me know what you guys feel about these types of programs, both pro and con.