For a decade, credit-challenged homebuyers have used a regulatory loophole that lets them get [tag]Federal Housing Administration[/tag] mortgages without putting their own money down, while at the same time avoiding costly [tag]subprime loan[/tag]s. About 7,000 buyers per month were exploiting the loophole, and now the feds are squeezing it shut. The new policy means that prospective homebuyers with marginal credit will have to act quickly if they want to buy houses without putting any money down. Otherwise, they will have to save for down payments or wait for the FHA to roll out its own zero-down program. A Homeowner\\\'s Guide to Mortgage Acceleration

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