Can I get a loan if my down payment (Down Payment) is not big?

Is it possible to get a loan if my down payment (Down Payment) is not big? Most buyers need to take out a loan to buy a house in the United States, so the buyer has to come up with a loan...

Most buyers have to take out a loan to buy a house in the United States, so the buyer has to take out part of the money as a down payment. Generally, buyers put down a down payment of 5%-20%. If it is a government-subsidized low-interest loan (FHA Loan), the down payment can be as low as 3.5%. If it is a VA Loan, the down payment can be waived. For general government loans, as long as the borrower deposits enough 5% of the down payment. Many people put down 20% to avoid paying mortgage insurance, because bank regulations require that if the loan amount exceeds 80% of the purchase price of the house, mortgage insurance must be purchased. For this reason, there is a workaround to get rid of this meaningless insurance, which is to apply for another loan. The first loan is 80%, and the second loan (Second Trust) plus the down payment totals 20%. This solves the problem. Of course, the interest rate of the second loan (also called the second loan) is relatively high, about 7.0%-9.5%. This is what you refer to as "paying extra money". In fact, it is not much more. It is less than paying loan insurance, and it is more flexible. In other words, the buyer can pay off the loan in a short period of time, such as one or two years. For a 300,000 house, the down payment is 30,000 (10%), the second loan is 30,000 (10%), and the first loan is 240,000 (80%). After two years, if the borrower saves 30,000, he can pay it off in one lump sum, or of course he can pay more every month. In addition, if house prices are rising, if the borrower's house increases by 5% every year, then it has increased by more than 10% in two years, and after two years, the lender can refinance (Re-Finance), then the ratio of the new loan amount to the house price will be less than 80%, thus solving the problem without paying more. Of course, this requires a premise: when housing prices rise and interest rates fall, it is possible to apply for a refinance.