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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 annual percentage rates. If the debtor is starting to become taking higher interest rate, he can avoid PMI even with only 5-15% down payment. With this option, overall interest for the debtor might increase, even so it will lower the monthly payments. It depends upon debtors, just people this option might be suitable.