Is their 80/10/10 mortgages available? I'm just thinking about trying to keep more in my pocket.

100% financing without any type mortgage insurance (PMI or MI) would be available through VA or USDA loans but you will pay a funding fee. The exception would be if you are a veteran with a qualifying service-related disability that allows the VA funding fee to be waived. You might be able to find a local program (ask your city's development or housing office) offering "soft seconds" As long as you can find a lender for the first mortgage you will be in good shape, but that may be difficult. PMI helps mitigate the risk due to a lower or no down payment. The only true solution to avoid it is with a higher down payment of at least 15% (80/5 mortgage) Some programs build PMI into the interest rate, but it's still PMI. Thomas.Stevens@flagstar.com - financing in 50 states

There are also lenders that have up to 95% LTV conventional with no pmi. Must be above a 680 middle fico score.