text: making money buying realestate with no money down!? is this a bunch of bull or can someone explain the process.  if it's too lengthy then, it's probably going to take a lot of work and research.  if you are going to refer me to a web site that sells books, tapes, or a siminar then do not answer......tired of all the sales pitches... you have to get a 100% loan which means you have to have good credit and usually a higher interest rate.  you will also have to pay mortgage insurance being you are not putting 20% down so your payment will be higher.  then the seller has to agree to pay all of the closing costs,  some mortgage companies won't allow the seller to do this so some research may be involved.