Getting a Second Mortgage Loan to Avoid Mortgage Insurance Filed under: MG1-2 — admin @ 9:09 am If you buy a house with less than 20% down or if you haven’t built up at least 20% equity before mortgage refinancing, you’ll typically have to pay private mortgage insurance (PMI). This protects the lender in case you default on the mortgage loan. The U.S. Public Interest Group in Washington and other consumer-advocacy groups have been pressuring …

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