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Recently, many creditors are moving off from 80/20 jumbo loans. In the marketplace . offering lender paid mortgage insurance (LPMI) options to merge PMI with interest percentage. 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, it might will lower the monthly funds. It depends upon debtors, just people this choice might be suitable.