Are there 100percent LTVs out there

If you have a Fannie or Freddie owned loan that was sold to them prior to 6/1/09 then you can do a HARP refinance loan at 100% LTV.

Your question doesn't give anyone enough information to give you a great answer. I assume you are looking to refinance... If you are a Fannie/Freddie, you might be able to do a HARP loan. If you are FHA or VA, you might be able to do a streamline refinance with no appraisal. Contact a local non-bank lender, give them a full application, and let a licensed loan officer review your exact situation. www.MinnesotaBestRates.com

If you have a fha mortgage then you can do a streamline with no appraisal.If your loan is serviced by Fannie Mae or Freddie Mac and was sold before May/June of 2009, then you may be eligible for a HARP program which allows loan to values of 105% to 125%.I would be happy to check to see if you qualify.

Assuming you are looking to refinance, if the current loan is VA that would also be an option if you qualify. Otherwise, any FHA, or Fannie or Freddie owned loan that was opened prior to 6/1/2009 is potentially eligible to refinance if you are at 100% LTV. If you already took advantange of the HARP option you really don't have any options unless you are prepared to bring some money to closing. Depending on the size of your mortgage dropping it by about 1% may not be worth the costs. The larger the mortgage the less the difference needs to be to make it worthwhile.If you are looking to purchase, as long as you aready own a home the only 100% option is VA.