Financing options without a down payment?

[Stephanie Birkhimer]

I'm currently trying to get started with investing, but ran into a slight snag. When I spoke with a bank this week, the guy seemed very concerned about my lack of resources. I have a salaried job and just a $475/mo car payment in terms of loans, but I have less than $2000 in actual savings. The bank guy made a big deal over how much it would change my potential loan (~$60k) if I had to borrow the down payment. 

My main question: Without getting too complicated for the newbie, what are my options for financing without a down payment? I'm trying to decide if I need to change my plan or spend a few years saving.