Keywords: Combo Loans (Split 1st Mortgage and Piggyback Home Equity Loan or Line of Credit), Investment / Rental Property and 2nd / Vacation Home Mortgages, First Time Home Buyer (FTHB) Programs, Borrower and Lender-Paid Mortgage Insurance (BPMI or LPMI) Options, Conforming and Jumbo Loan Amounts, Lot Loans for Raw Land