are there still 90% LTV mortgages out there?

Yes and even higher!

You should find most lenders able to go to 95% LTV. Of course, it depends on your credit score and other factors, but they are indeed widely available.

Depending on your credit you may be able to borrow up to 96.5%. Feel free to e mail me at peter@njlenders.comRegarding your scenario. I lend in Florida. Peter

absolutely, we offer 100% ltv to qualified buyers with as low as a 580 credit scoreContact me for more information cduerr@prmg.net

Yes- and even higher LTV's depending on your credit, income and asset profile-For more information e-mail me at pete.bass@everbank.com

The answer of course is yes. There are many options available to get there... either with a conventional loan with mortgage insurance, or an FHA loan with 3.5% minimum down payment (still with mortgage insurance). There are also options out there with lender paid mortgage insurance where the cost of insuring the lender for loss above 80% loan to value is built into the interest rate chosen. Alternatively, you can also opt for a single premium mortgage insurance option where you pay a lump sum fee at closing to the insurance company and then you don't have any monthly MI in your mortgage payments. Additionally, there are down payment assistance programs available that help cover your down payment and closing costs... if you're buying in a "rural" area, then a USDA Guaranteed Rural Housing Loan could be an option to get 100% financing. (VA loans also go to 100%). As you can see, there's many options available out there. Do your homework and talk to a licensed loan originator in your state!