http://ts.realestate.com/blogs/tipsandtools/archive/2007/02/15/the-second-trust-piggyback-loan.aspxCan I Avoid PMI? Even if you cannot afford a 20% down payment on your house, you may still be able to cross the threshold of your dream home. Many lenders will allow smaller down payments - as little as 5% in some cases. With smaller down payment loansenCommunityServer 2008.5 SP2 (Debug Build: 40407.4157)