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Smilepak: I noticed you are in Corona and we are a direct lender located in Irvine. As for the 80/10/10 that program is still available but most banks are only going to a 70% CLTV: Combined Loan-To-Value.. the 1st & 2nds added together. I have not seen anyone, including us, go to 90%. We are still feeling the pains of 4 years ago but I do have an idea for you. BUYOUT THE MORTGAGE INSURANCE.I structured a loan for a client who did not want the monthly mortgage insurance, actually, it was pushing our DTI's (Debt-To-income) ratios above the limit so we "bought" the mortgage insurance out as a one time Single Pay Premium. Call me or send me an email and I can give you seveal options on how to do this with your realtor and the seller.I hope this helps, Marc
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