Use what is best for the borrower.

Haven't seen them yet. A lot of buyers around here do FHA and VA loans and we have some low downpayment or downpayment assistance programs at the state level. -Kasey

I hope they are using them.... avoid PMI and save the client some money...

I would leave that to them and their Lender

My client's offer reflects the lender's pre-approval letter.   

I'm using whatever my client approved for. I'm equally fine with 3.5% down or 100% cash as long as it solid and verified. 

I depend on the lender to decide what is best for the buyer. Buyers in my market are still using a VA or FHA loan with minimum down.

Oh, yes! Finance as much as you can while mortgage money is so cheap - save your cash! 

Whatever works best for the buyers.

20-80 some want to pay more or pad the difference when appaiser comes out short.

Many new products unfolding. Do buyer agents show these terms in their offers and preapprovals? Reason to personally know who the lender if you are a listing agent

  More cash buyers than financing.

Inna Ivchenko nailed this one!

Have not seen it in my area 

I let the buyers and their lenders figure this out.

We are still seeing 80-20 and in some cases 80-10-10

Michael J. Perry - usually it is 80-20 or FHA with 3.5% down.

Like Roy Kelley do what is best for the individual.  A

We see a variety of loan programs based on the needs of our buyers.

No but on investors there are 15% down Fannie Mae loans now.

YES.  Whenever possible to avoid PMI. 

No experience with 75-15's in this new era yet!

I have not seen any yet back here, but can see listing foreclosures, the majority who lost had the 80/20 loans of the past

I don't hear about the loans, but did not know they were back again.

Haven't seen this in the greatest state of Northern California's "Wine Country". Doesn't help in our market. Cash is 25% of all sales and then conventional loans make up the difference with FHA and VA distant third and fourth place. I don't see the value. 4% for conventional fixed 30's? A 100% financed loan will get blown out of the water 95% of the time in our area. Perhaps if the Seller is a Vet you might squeak in a VA Loan.

whatever it takes to close the deal for the buyer. It is their choice

I've had clients doing them for some years now.

I have not seen many of these.

I am not familiar with that entity.

In the last two year s it has been no down to 3-5 % down  to 20% and more...Even several cash

Still 80-20s for conventional.

Most of mine have been 96.5/3.5 lol.

What a good question thank you. Lets find out Michael J.