New mortgage rules will soon eliminate "cash-back" mortgages, which provide upfront cash to help cover your down payment. Securing a down payment through a loan or unsecured line of credit is also becoming more difficult to get.

Qualified homebuyers who are deciding whether to buy now or keep saving should take a look at these opportunities now while they are still available. Why? Buying today means you can take advantage of today's historically low fixed mortgage rates. And zero-down helps you get into your home now so you can save potentially thousands in rent, and get a jump start on building wealth. In a recent survey of first-time buyers commissioned by TD Canada Trust, 55% wished they had bought sooner!

A zero-down mortgage is not for everyone but if you have a stable income, good credit and the ability to comfortably handle your monthly mortgage payment and ongoing housing expenses, you may want to consider this time-limited opportunity.

If you want to consider this option, you need to act now, before October 31, 2012!