At the beginning of the year, I predicted zero percent mortgages. I haven't figured out what the break-even is on the Fed new home-owner assistance program gets you, but I doubt it's "free." However, here's a story that gets us closer, albeit not in the U.S. (yet):
http://www.bloomberg.com/apps/news?pid=newsarchive&sid=aA8ctNweckuU
Joe