105% Home Loans – How Do I Get a Bigger Homeowner Loan?

Buck asked:

I am looking to buy a home in Illinois, I will be a first time home buyer and I make approx.$44,000/year and my wife makes approx $19,000/year for a total of $63,000 gross/year.

We have good credit.  I am looking at buying a home in VA for around $105,000 – $106,000 price range but can only get approved for aroung $90,000, what steps can I take and what are the best banks to use?  Are there any better options than banks such as finance houses?

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