Some of the best loan rates in the country for purchasing a home are offered by NACA , a housing assistance company that provides zero down payment loans at very low rates. They have a counseling process every applicant must go through , so it’s not as easy of a process as these online lenders or your local mortgage broker, but if you are looking for zero down payment and a great rate it’s definitely something to check out if you can do the legwork
This is a program for new purchases .but They also help people with unaffordable loans get mortgage modifications . If you’ve worked with NACA and have any data points to add please do so in this thread !
Link to their site