Fifth Third Bank Sue Reichard 1616 Fishinger Road Columbus, Ohio 43221 614-442-3156 614-395-4150 sue.reichard@53.com   Fifth Third Bank has some great loan options for ZERO DOWN. They have the "Good Neighbor Program" for almost all income levels which includes $0 down, low closing costs and NO PMI. This program may be available at fixed rates as well as adjustable rates. This is a good option for those needing a conventional loan (preferrable for older homes that may not be suitable for FHA loans).