and easily go to 90%; most cases you would have to pay Mortgage Insurance.
Our bank provides and 80-10 to avoid MI, with the 2nd mortgage rate only 1% higher than the 1st (so, if you did a 30 year at 3.50%, the 2nd would be at 4.50% - for example).
Source: http://www.zillow.com/advice-thread/Refinance-Help/462420/
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