do local lenders in Virginia still offer 80/10/10?

As a matter of fact, it's even better. Waterstone for example allows for up to 100% financing on 30 year fixed rate loans with NO PMI. We can also offer that as 3/5/10/15% down as well. But in answer to your questions more generally, yes options like this exist. If you're interested there's lots of information I can send you. You can view some of the details on our Facebook page. Www.facebook.com/thezemonteam or send us a private message email at zemonteam@waterstonemortgage.com

Yes we offer 80-10-10 in Virginia. We also offer very competitive rates. You can reach me on 703-786-9470 to discuss. Al Magz Freedom Bank Mortgage of Virginia