I have a loan product that will allow you to have 90% Combined loan to value via an 80% 1st mortgage and a 10% 2nd mortgage. The main stips are a 680+ credit score, and you must be able to document that you have 20% that could be put down, you just do not want to put that much cash down. We would have to find a lender willing to make the 10% 2nd mortgage for you also.
This product can finance loans > $417,000 as well. I am local, located on the west end of Panama City Beach.
Bank of England