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Recently, many creditors are moving off 80/20 jumbo loans. Automobile offering lender paid mortgage insurance (LPMI) options to merge PMI with annual percentage 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, but it will reduce the monthly mortgage payments. It depends upon debtors, to some people this choice might be suitable.