WOW!  A new bank rep came into our Hamilton Mortgage office today.  He was invited in because we heard about some fabulous programs his bank is offering.  As we all know by now, most banks are not offering too may LTV's over 85% nor is it easy to find a HELOC with a CLTV much higher than 85-90%either.  Well, this well versed, well spoken young man presented his program from a popular bank from a different part of the country...we signed up with him because his bank offers 90% LTV's up to 1.25 mm and 100% CLTV  HELOC's- kind of unheard of in this market.  The owner of the company did a trial run with them and his loan was approved in 6 hours!  So it is almost too good to be true - but it is!  I guess if we all dig deep enough there are some banks out there who want business.  This is another reason to come to a mortgage broker, not your local bank - Mortgage brokers do dig deep! (and often hit gold!)