The first possible exception is to find an honest mortgage broker ( now, they all are Federally regulated ) who has access to funds from non-bank sources such as insurance companies or overseas, but this is really rare, and, when it does happen, is more likely to be in the over-$800,000.00 loan category with high asset and income requirements. This is just the way the world works now.
The other way, ant it's being used by 60% of borrowers nationwide, for reasons that you have just encountered, is to go FHA. Nothing stops you ( in fact, under the latest guidelines, this gets you a lower cost loan ) from making a high down payment for a FHA loan. It's been my recent experience that Wells Fargo is a really knowledgable FHA lender, and, maybe, you want to go back to them and seek a FHA loan.
Keller Williams Realty
Name Patrick Cunningham
Company Home Savings and Trust Mortgage
Address 3701 Pender Drive, Suite 150, Fairfax, VA 22030
Fax (703) 352-1289
Please let me know how else I can help you. VChrisner@kw.com