Zero down home loans are most common among first time home buyers since they are
typically young married couples or single professionals who are just starting out, and haven't yet saved enough financial resources to fund a down payment.
In fact, as
young adults progress from being single to being
married, their alcohol use
typically declines.2 Of course, everyone does it for different reasons, and people cut back by different amounts, but some reduction in drinking is normal for
couples.