I'm not really sure this is applicable. Banks here work differently from those in USA or EU, they won't give you a loan 90% of the time if you got a mortgage on your hands. Sounds impossible? Well, people don't trust banks and banks don't trust people.
Thanks for advice anyway.
It would be helpful if you said where "here" is.
Sorry, but no. No hard feelings, please.
Not even the country? Certainly no hard feelings, but I think you would have gotten better answers.