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Recently, many creditors are moving away from 80/20 jumbo loans. They are offering lender paid mortgage insurance (LPMI) options to merge PMI with mortgage rates. If the debtor has grown into taking higher interest rate, he can avoid PMI even with just 5-15% deposit. With this option, overall interest for the debtor might increase, even so it will limit the monthly funds. It depends upon debtors, to many people remodeling people this option might be suitable.