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Recently, many creditors are moving far removed from 80/20 jumbo loans. They are offering lender paid mortgage insurance (LPMI) options to merge PMI with interest percentage. If the debtor now is taking higher interest rate, he can avoid PMI even with only 5-15% deposit. With this option, overall interest for the debtor might increase, but it will limit the monthly expenditures. It depends upon debtors, to somewhat of an people alternative might be suitable.