Basic Supplemental Health Ins
In decades past, most people who were interested in obtaining a home loan were required to put down at least 20% o the purchase price. Those days are gone, and as home prices have risen faster than incomes, the average down payment required by lenders has dropped. In fact, it is often possible to buy a home with no down payment at all. Nationally, the average down payment is a 3%. t’s nice to be able to buy a home with such a small amount of ready cash, but there is a downside – if the down payment is less than 20%, he lender requires that private mortgage insurance (PMI) be added to the house note.
No one likes to pay PMI; the payment doesn’t go towards paying off the house and the payments aren’t tax deductible. And the PMI payments aren’t trivial; the monthly PMI payment on a home priced at the U.S. median price of $206,000 with a 3% dwn payment is $129. Lenders require that borrowers pay PMI until the borrowed amount becomes less
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