I am looking for a solution that would be able to do an 80/20 (or something similar) loan in Texas, or nationally for that matter, where the 80 would be a HELOC. My Texas clients would normally be obtaining a first lien HELOC (which the state limits at 80% LTV) but they don't have 20% equity quite yet. In some cases, they are at the 17% mark so they are very close. That's where I was wondering if there was a way to get a more traditional loan/mortgage to cover the amount above the 80%. What does the collective intelligence out there think? Any options for people assuming a good scenario in terms of credit, DTI, stress tests, seasoning, etc?