There have been mortgage products with less than 20% down for a long time now. I bought a house in 2016 for 3.5% down, I had at least 3 separate lenders give me

There have been mortgage products with less than 20% down for a long time now. I bought a house in 2016 for 3.5% down, I had at least 3 separate lenders give me a loan estimate with those terms.