Each lender has their own guidelines, and it's mainly due to who they use for mortgage insurance coverage. A small percentage of mortgage insurance company's are no longer insuring 100% LTV mortgages, however there are still plenty who do. The declining market policy also affects where 100% financing is offered as well. It's best to get several opinions on mortgage financing options than just taking the 1st lenders word you speak to as the final saying.
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