Texas, there aren’t that many mortgage brokers here, most were run off long ago, this can be a tough crowd. Only HLS (sheldon) has earned his keep over the years and I haven’t seen him around for a little while, when he sees this or if someone e-mails him, the real answer will be posted, nobody wants to guess and the OP doesn’t want guesses.

Plus I pay attention to things like this as a casual observer and I haven’t a clue. I think the sub 20% conventional market might be a little slim these days and FHA is not that bad of a deal especially if you can get the upfront insurance paid by the seller, the monthly is deductable, in fact all PMI is deductable now so the piggyback loans have gone away, or at least I never see ads for them anymore or hear anyone talk about them. A lot of loans have gone away. I think in the world of finance, the word “creative” is now profanity.