TWO Mortgages for ONE House?

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I'm in the market to buy my first home (30 year fixed), and today I talked with my first potential lender. It made me realize that I need to get ALOT more educated. LOL.

They approved me for up to $200,000 at 6.25% with $10,000 down.

But for some reason this "deal" involves two seperate loans. They called it an "8015" I believe.

Has anyone heard of this type of mortgage? Does this sound like a good deal? My credit score is 746 and they said my payment on a $185,000 loan would be about $1087 per/month. The lender was Chase, BTW.

Thanks in advance for any help.