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The mortgage industry is a very diverse one. The days of going down the street to your local bank to get a mortgage are over.
These days there are literally thousands of lenders across the United States. If you have not heard of them, it is because they are not the brick and mortar banks you are used to seeing in your neighborhood, nor do they advertise on prime time television.
This does not mean that they do not exist. They do. And they exist in the name of wholesale lenders. Wholesale lenders are lenders that work in niche markets and offer specialty programs such as 100% financing where you can get a mortgage for the entire amount of the home, relieving you from having to come up with a down payment.
Even if you have money for a down payment, you may still be considering 100% financing so you can save that money for your housing essentials, such as paint, carpet, furniture, etc.
Most likely, your local bank will not offer this program, so it would be wise to shop around for a program such as this, and believe me, they are out there.
If you are unable to find a product on your own, consider finding a broker to help you.
A broker is not a lender, but they work for wholesale lenders. Their job is to find you the product which you are looking for, while educating and counseling you through the mortgage process from beginning to end.
If you decide to you use a broker, allow for a few to assess your situation, than base your decision on the no money down program that best fits your needs and budget.