While the market for mortgages has been a lot tighter post 2006, it seems that things are beginning to turnaround.

Lenders are beginning to loosen the restrictions for down payments and as such are allowing more homebuyers into the game.

Below is a link to a great article that explains in further detail.

http://realtormag.realtor.org/daily-news/2013/11/18/lenders-loosen-down-payment-requirements