Lets look at programs designed to lessen that difference and what zero-down mortgages offer potential first-time and minority homebuyers.

7 Ways to Make Money if You Hate People

Do you avoid people too?

Enough small talk.Here are some waysto earn extra cash, without all of the social stuff.

A father holds onto his son as they stand outside of their home.

Applicants wont be verified based on race, according to Bank of America.

Are There Risks With Zero-Down Payment Mortgages?

No down payment sounds like a sweetheart deal, but there are some drawbacks associated with these loans.

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Kaz Weida is a senior writer for The Penny Hoarder.

Probably not as good as youd like.

It always seems like an uphill battle to build (and keep) a decent amount in savings.

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But what if your car breaks down, or you have a sudden medical bill?

Ask one of these companies to help…