Don't believe everything you see. It's almost impossible to buy a house today with 0 down. Of course you need a lender's approval, the lender is the one who gives you the mortgage and lenders today will hardly give you a loan with nothing down, they have learned their lesson. It's great that you have god creditand good employmet history, but a downpayment is necessary as well. Also, the more you put down, the less your payment on a mortgage will be. If you have savings, obviously you can put some money down, the least is a 3.5%.
If you need help with buying a home and more info on what that involves, please contact me, I would be happy to help.