Zero-percent-down mortgages are making a return, raising concerns about potential risks. Top U.S. mortgage lenders are reintroducing these loans, which allow homebuyers to purchase properties without an initial down payment. The move has sparked debate, with some recalling the financial instability that followed similar practices in the past. Entities like Wells Fargo ($WFC) and the housing market ETF ($XHB) are mentioned in discussions about the potential impacts of these mortgages. Some sources even suggest a housing collapse may be brewing.