In recent years, homebuyers have had to go through the FHA or the VA to get a mortgage loan with less than 20% as a down payment. It seems that lenders are now thawing to the idea of accepting such mortgages without the backing of a government guarantee. The number of lenders quoting non-FHA loans with down payments between 5-10% is nearly double what it was two years ago, according to Zillow. This can be a huge help to first-time homebuyers who may have good credit, but lack the 20% down payment that has become standard for conventional loans. To read more about why lenders are more inclined to accept these lower down payment loans visit USAToday.