Despite some recent challenges, piggyback combination loans are likely to remain an important alternative mortgage product for the foreseeable future. But pricing and secondary market issues have led some lenders to look for alternatives to 80/20s, 80/10/10s, and other combo flavors that have become popular as a way for borrowers to avoid mortgage insurance requirements. One alternative is the high loan-to-value single loan. Lenders say that the product offers several advantages: it’s cheaper to originate and borrowers only...