With the return of low down-payment mortgages, there is a lot of buzz on the merits and the risks of these types of loans. Based on many recent articles and commentary, one might be convinced that these types of loans are a harbinger of tragedy. However, the truth may be far different. For starters the industry is very different today from what it was prior to the collapse. Read more about why low or even no down payment mortgages might be a great idea here.