Both of these allow you to low down payment loans to buy a primary residence with fixed interest rates.

A lot of what you'll see here is older homes in desirable areas and that scarcity keeps price growth high while keeping sales growth low.

Would you rather set it and forget it and not need to refi again or rather take advantage of low/no closing costs on this loan and plan to be more aggressive on your rate at the time of your refi?

The chances that you currently live in a city meeting all these criteria are low.

Low insurance" is concerning to me, as Athens gets a LOT of high wind / weather / tornado activity for unknown reasons - they just got hit again last weekend. 

Most of those old houses with the upstairs ceiling rooms are just about 7 ft in the middle of the room but they go down to as low as 3 ft.

*Look for properties where you can gain immediate equity by buying at a low price.

Those that preach no/low down payments are mostly just trying to appeal to the masses who want everything for nothing that will buy their courses.

We are in a constricted market cycle, low volume, strained budgets, high costs.

If they are low balls then usually you are asking someone to work for free as the fix and flip landscape is competitive for a low pay out.