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10/10/80 loan is a Non-Option

I'm looking for a home in the DMV area and found that a 10/10/80 loan is best for my financial situation for numerous reasons. However, I can't seem to find any viable lenders. All the lenders in this area only seem be selling the 5%down loan, which of course is more money for the bank. If I want a 10/10/80 loan, I can't find any lenders that can promise me a close in under 30days. That's a non-starter in this market where good houses only last like 3 days on average. So how can I get a 10/10/80 loan at that speed? Am I missing something, or is 30-45day closing on these loans par for the course? Is HELOC the answer to get a faster loan?

Any advice is greatly appreciated. Thanks!

submitted by /u/Egg-Engine
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source https://www.reddit.com/r/RealEstate/comments/pdxggy/101080_loan_is_a_nonoption/
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