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I never really answered your main question. There aren't any loan programs that will allow that high of a loan to value (LTV) except these special Making Homes Affordable loans. The next highest is an FHA loan that will go up to 97.75% of the value of the home. If you can do some homework on the value, you might could squeak by at a 97.75% LTV and an FHA loan might be a good solution for you.
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For Sale: $220,000
For Sale: $40,000
For Sale: $154,900