options for $0 down loans - not usda or va?

Check for local down payment assistance programs (a quick google search provided tons of options). Between down payment assistance and seller concessions, you should be able to get into a home without a down payment if you are otherwise qualified.

Yes.. check with your local real estate agent or a local mortgage broker.. they should be familiar with any local down payment assistance programs or grants being offered in your area.. FHA allows for 100% of your down payment to be gifted, so if you have a rich uncle, that could work.. (just saying!).. There are also some lending programs where you can finance 3% of the required 3.5% down payment via a 2nd mortgage.. under this program, you would only need 1/2% down. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com