We have that available. You need to have a minimum credit score of 700.
Your ratios can not exceed 38/45 (no exceptions)
The second rate will be based upon the Prime Rate. Prime + 1.99% = 5.24% (start rate based on Prime@3.25%). 1.99% is the margin added to Prime Rate for a 80/10/10.
There is no prepayment penalty on the second mortgage, so you will be able to pay this off rapidly.
If you would like more info you may email me at email@example.com.
I am located in Fremont, CA so very close to SJ. cg