No-Money-Down Mortgages Are Making a Comeback. With a conventional loan, every 5% more you put down will typically lower both the interest rate and the amount of mortgage insurance, required on all loans in which the down payment is under 20%, according to Quicken’s Banfield.

No-money down mortgages make a comeback in Colorado . Making a comeback in Colorado: No money down mortgages. Read more at The denver post: https://goo.gl/qz5dcu. denverpost.com The Credit Union of Colorado has revived a loan type that disappeared following the housing crash a decade ago – the zero-down conventional mortgage.

No-money down mortgages make a comeback in Colorado – Veterans can obtain zero-down mortgages and income-qualified borrowers can do so through the Colorado Housing and finance authority. kotaska said the credit union’s new offering is the first conventional zero-down loan product he knows of available in Colorado, regardless of income or.

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Sub-prime mortgages were home loans given to borrowers who had bad credit and put very little or no money down when acquiring the loans. These home loans were given out like candy to whoever wanted one. The subprime practice ended during the housing crash that helped cause hundreds of thousands of foreclosures.

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Third, there are more low- and no-down payment mortgage programs available to today’s home buyers than during any period in the last 10 years. And, fourth, buyers are beginning to learn that large downpayments can be risky – especially when homes can be bought with very little down and at very low rates.

Meanwhile, the more cavalier loan products that fueled the fast and loose flow of financing prior to the recession have yet to make a comeback. These include loans where people. investment property.

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