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Recently, many creditors are moving off 80/20 jumbo loans. They are now offering lender paid mortgage insurance (LPMI) options to merge PMI with percentage of interest. If the debtor has grown into taking higher interest rate, he can avoid PMI even with only 5-15% down payment. With this option, overall interest for that debtor might increase, but it will lessen the monthly mortgage payments. It depends upon debtors, just people this option might be suitable.
