What is a Piggyback Mortgage?

What is a Piggyback Mortgage?

In order to achieve the dream of homeownership, many buyers look for creative financing to aid them in their quest. One such option is a piggyback mortgage, which actually involves taking out two separate loans to make homeownership more affordable. These loans can be very helpful, but borrowers must know the risks in order to be succesful.

Piggyback Definition

Here’s how a piggyback mortgage works. You take out a traditional home loan for 80% of the home purchase price. You put down 10% of your own cash as a downpayment. Then in order to cover the remaining 10%, you take out a second home mortgage. Sometimes a piggback loan is also called an 80-10-10 loan.

The Backstory

Piggyback mortgages became very popular during the housing boom in the early 2000s, when home prices were skyrocketing. In order to be able to afford to buy a home, many Americans used piggyback loans to keep their overall loan costs down without having to provide a traditional 20% downpayment. Back then, some lenders would even let borrowers take out an 80% conventional loan and then a 20% piggyback loan that would cover the remaining cost of the loan, allowing the borrower to avoid a downpayment altogether. 

This arrangement created plenty of problems when the housing market crashed and homeowners struggled to make their payments. When piggyback borrowers tried to apply for mortgage modifications, they had a very difficult time because they actually had two loans connected to their houses. It also meant that many of these borrowers found themselves underwater or upside down on their mortgages – they owed more than their homes were worth. If they had to move or were unable to make their payments, foreclosure was a common outcome. 

Since that time, most lenders will not make piggyback loans of more than 10%, so that borrowers will have to contribute a down payment of at least 10% and have some equity to help avoid foreclosure.

The Benefits for Borrowers

The piggyback mortgage helps borrowers in three main ways:

  1. It allows the borrower to purchase a home with a smaller down payment.
  2. It usually helps the borrower get a better interest rate on the higher balance loan.
  3. It generally helps the borrower to avoid private mortgage insurance (PMI).

As discussed earlier, a piggyback borrower only has to contribute 10% as a downpayment because the piggyback counts as the other 10% of a standard downpayment. And because the 20% downpayment requirement has been met, no PMI will be required saving the borrower hundreds of dollars each year. And conventional loans of no more than 80% often get much better interest rates than other types of mortgages.

Some Things to Consider

The way to best utilize a piggyback mortgage is to pay off the second loan as quickly as possible. Then you are left with just a traditional mortgage at a good interest rate to pay off.  If you do not work quickly to payoff your piggyback loan, the interest rate on the small loan could rise (its usually adjustable) and could cost you more money. 

Plus there are sometimes more closing costs involved with a piggyback mortgage as the lender has to do the work to underwrite two loans instead of one. 

And if you ever decide to refinance you may have a tricky time. You may be required to pay off the second loan before you can refinance.

Once you understand how to make a piggyback mortgage work for you, it can be a useful tool on your journey to homeownership.

If you have questions or think that a Piggyback Mortgage might work for you or someone that you know - give Mortgage247, LLC a call today at 410-744-7247 and mention that you're interested in a Piggyback Mortgage loan.

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Top Secret To Win The Lottery With The Help Of A Magic Lottery spell caster called Dr Emmanuel.......I saw testimonies online on how Dr Emmanuel helped a lot of people in winning huge amounts in the lottery, so I decided to contact him for winning numbers. I contacted this man and he did a spell and he gave me the winning lottery numbers to play. Believe me when the draws were out I was among the winners. I won $70 million jackpot. I have confirmed Dr Emmanuel and he is real and guaranteed. Now I am a living testimony of the good works of Dr Emmanuel, a gifted man with great powers, it is my secret but I decided to make the world known too. It might be a help to anyone who is interested. My comment might look funny to you but it is the truth and I promise you that it will not be funny when you win and share a testimony with others. This is a secret to win the lottery so I advise you to do the same. It’s not everybody that is naturally lucky, if you have problems in winning the lottery? then the solution to win is to contact Dr Emmanuel for the winning numbers and you can reach Dr Emmanuel on email: dremmanuellottoryspellcaster@gmail.com or WhatsApp +1(332)253-4306

Deborah Jacobs | Jul 11, 2023

GET RICH WITH BLANK ATM CARD, Whatsapp: +18033921735 I want to testify about Dark Web blank atm cards which can withdraw money from any atm machines around the world. I was very poor before and have no job. I saw so many testimony about how Dark Web Online Hackers send them the atm blank card and use it to collect money in any atm machine and become rich {DARKWEBONLINEHACKERS@GMAIL.COM} I email them also and they sent me the blank atm card. I have use it to get 500,000 dollars. withdraw the maximum of 5,000 USD daily. Dark Web is giving out the card just to help the poor. Hack and take money directly from any atm machine vault with the use of atm programmed card which runs in automatic mode. You can also contact them for the service below * Western Union/MoneyGram Transfer * Bank Transfer * PayPal / Skrill Transfer * Crypto Mining * CashApp Transfer * Bitcoin Loans * Recover Stolen/Missing Crypto/Funds/Assets Email: darkwebonlinehackers@gmail.com Text & Call or WhatsApp: +18033921735

Kylie Harvey | Aug 07, 2023

GET RICH WITH BLANK ATM CARD, Whatsapp: +18033921735 I want to testify about Dark Web blank atm cards which can withdraw money from any atm machines around the world. I was very poor before and have no job. I saw so many testimony about how Dark Web Online Hackers send them the atm blank card and use it to collect money in any atm machine and become rich I email them also and they sent me the blank atm card. I have use it to get 500,000 dollars. withdraw the maximum of 5,000 USD daily. Dark Web is giving out the card just to help the poor. Hack and take money directly from any atm machine vault with the use of atm programmed card which runs in automatic mode. You can also contact them for the service below * Western Union/MoneyGram Transfer * Bank Transfer * PayPal / Skrill Transfer * Crypto Mining * CashApp Transfer * Bitcoin Loans * Recover Stolen/Missing Crypto/Funds/Assets Email: darkwebonlinehackers@gmail.com Text & Call or WhatsApp: +18033921735

Kylie Harvey | Aug 07, 2023

Good day everyone, I’m Asher Hannah from Jurong East, Singapore, my husband and I own a Furniture business, about two months ago we invested some part of our money into a cryptocurrency investment platform and made a total of $678,000 payment through bitcoins to this cryptocurrency platform not aware that it was all a scam, they kept asking us to make more payments into their platform and that was when we realized we have lost our investment. It was such a difficult time for us but while I was surfing the internet, I saw someone share a post about Mr. Albert Gonzalez Wizard, a reputable company that recovers stolen and lost funds, I didn’t hesitate to contact them and after providing all the information they needed to work with Mr. Albert Gonzalez was able to recover our money in 6 hours. We were shocked that such a thing could be possible but we are super excited we were able to recover our money all thanks to him and his team. We are recommending them to everyone out there who have been defrauded too by these fake cryptocurrency investment platform. You can reach out to them with the information below: Email: info@albertgonzalezwizard.com or albertgonzalezwizard@gmail.com / WhatsApp: +31616251474 Or Whatassp: +31616644373 Telegram:  +31685248506

Asher Hannah | Aug 15, 2023

“I invested with a Crypto broker without proper research to know what I was hoarding my hard-earned money into, only to find out it was a hoax and sham. I invested over $180,000 USD estimated to be 6.3 BTC. I was unable to make any withdrawals out of my initial deposits let alone the gains he claimed I have earned even after meeting the bogus fees and charges he is always requesting. Fortunately, I got to know about Perfect Hackers's Bitcoin recovery programmers through research and positive reviews on Google. After a couple of hours consulting with them, all my funds were recovered including my profits. I can’t thank these guys enough for making me not another prey to these scammers. Thank you Perfect Hackers. Consult them via: morriswhite789@cyberservices.com

Elvis Mark | Oct 15, 2023

Hello, everyone! Today, I'm about to unravel the biggest secret I've encountered - an ATM card I stumbled upon in the depths of the internet. It's not every day you encounter something as enigmatic as this! an ATM card from a clandestine online shop that allows you to withdraw a whopping $5,000 daily. This card has no branding, and no company name, and it arrived in a completely nondescript package. Its origin remains a mystery. The only clear message: $5,000 daily withdrawals. Could it be too good to be true? For the past month, I've been using this enigmatic ATM card, and it's nothing short of mind-blowing. It works like a charm, allowing me to withdraw $5,000 daily. I've tested it at various ATMs, and it delivers on its promise. I must admit, no card is perfect. There have been a couple of instances when the card didn’t work in very remote areas, but that’s more about the local banking infrastructure than the card itself. This card is like a treasure chest in your pocket, it has high-reward, works seamlessly, and I’ve made a fortune from this card’s ATM withdrawals! Compared to other cards in the market, it stands out for its transparency and excellent customer support. If you’re looking for a financial ally that empowers you, I can’t recommend this ATM card enough. The $5,000 daily withdrawal is real. Check it out at {{{t.me/Darkwebatmcard}}} or {{{digitalrobinhoodhackers@gmail.com}}}, Call or WhatsApp: {{{+15025094485}}} and take control of your financial future. You can also contact them for the service below: * Western Union Transfer * Bank Transfer * PayPal / Skrill Transfer * Crypto Mining * Cash App Transfer * Bitcoin Loans * Recover Stolen/Missing Crypto/Funds/Assets

Joe Miles | Nov 23, 2023

Bitcoin and other cryptocurrency scams are becoming rampant as the day goes by. One should be careful when dealing with people online especially when it has to do with your funds. Getting back your stolen bitcoins is very easy but there are also alots of fraudulent recovery firms out there so you need to be careful not to end up being defrauded again. Jamesmckaywizard is the most trusted and reliable recovery firm online. They are the best recovery firm out there now. They are very fast and efficient in the recovery of your funds. To contact them ON EMAIL:jamesmckaywizard@gmail.com or What's App:+44 7826 613094, You can simply send an email and you will be helped to recover 100% of you lost funds- I was able to recover all of my stolen bitcoins. They provide excellent service

Mercy Cole | Jan 16, 2024
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