There are still some loans out there with 0%. Va Loans, USDA and some community programs.
If you go to the USDA site it provides the eligibility areas and qualifications,
I hope this helped you.... more
Were you current on your mortgage the entire time?
Often when an account is closed it can hurt your scores, usually it's just a few points, maybe even a dozen, but 100 points is very severe. If there aren't many other accounts on your credit report then closing an account tends to have a bigger negative impact on your score.... more