I am trying to buy a house. I am going through a mortgage broker and he wants to set me up with a combo 80/10/10 mortgage where I will pay 10 percent down and get one loan for 80 percent of the balance and another loan for the remaining 10 percent. The real issue I have is with the rate of the 10 percent loan. The 80 percent loan is quoted at a good 5.75 percent but the additional 10 percent loan is quoted at a whopping 9.0 percent. This seems excessive at 9.0 percent. Any help?????