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At 90% CLTV although the first mortgage is probably higher than what you could obtain, very few outlets offer a combined 1st and 2nd to 90% to avoid MI.You may not like it but the little extra you are paying on the first may just be because the lender can charge it, when you have a product no one else can compete against...you usually do not have to price the product sharp to get the business. Supply and Demand kicks in...The demand for 90% no MI is high but the supply is low, so you pay a premium for it.
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For Sale: $389,000
For Sale: $424,900
For Sale: $850,000