Two of the country’s top subprime lenders are banking that new zero downpayment purchase-money mortgages will help reach more customers and open new markets. "This program is ideal for home buyers who may not have perfect credit," said Paul Abbamonto, president of Countrywide’s Full Spectrum, of the company’s new zero downpayment mortgage. "Coming up with the cash for a downpayment is a major hurdle for many homebuyers."