<prompt> Human: According to this article BoA is planning on unveiling a new loan to get more buyers into homes trouble anyone???. Should also be noted, this does not go through FHA.One of the only things keeping my wife and I from getting a home is the down payment required to clear PMI restrictions, but a 3 loan with no PMI seems like a great opportunity for us. Our city is one that relys heavily on Oil production and with the down turn a lot of nice homes are becoming available for a great price. Obviously Id need to comb through the details, but it seems like a solid option. What do you all think.  <response>: I would not accept BoA as a mortgage provider if they offered me no interest. And I say that as someone that had them as my mortgage provider involuntarily after they absorbed Countrywide.Yep, you read that right - The company that went under for fraudulent mortgage practices did a hell of a lot better job at honoring their own terms than BoA did. 