{"id":2322,"date":"2019-06-19T05:00:43","date_gmt":"2019-06-19T10:00:43","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/what-you-need-to-know-about-private-mortgage-insurance-pmi\/"},"modified":"2021-05-18T20:21:52","modified_gmt":"2021-05-19T01:21:52","slug":"what-you-need-to-know-about-private-mortgage-insurance-pmi","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/what-you-need-to-know-about-private-mortgage-insurance-pmi\/","title":{"rendered":"What You Need to Know About Private Mortgage Insurance (PMI)"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2019\/06\/24165339\/20190619-Share-KCM-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>Whether it is your first time or your fifth, it is always important to know all the facts when it comes to buying a home. With the large number of mortgage programs available that allow buyers to purchase homes with down payments below 20%, you can never have\u00a0too much information about\u00a0Private Mortgage Insurance (PMI).<span id=\"more-39584\"><\/span><\/p>\n<h4><strong>What is PMI?<\/strong><\/h4>\n<p><em>Freddie Mac\u00a0<\/em>defines PMI as:<\/p>\n<blockquote>\n<p><em>\u201cAn insurance policy that protects the lender if you are unable to pay your mortgage. It&#8217;s a monthly fee, rolled into your mortgage payment, that is required for all conforming, conventional loans that have down payments less than 20%.<\/em><\/p>\n<p><em>Once you&#8217;ve built equity of 20% in your home, you can cancel your PMI and remove that expense from your mortgage payment.\u201d<\/em><\/p>\n<\/blockquote>\n<p>As the borrower, you pay the monthly premiums for the insurance policy, and the lender is the beneficiary.\u00a0<em>Freddie Mac\u00a0<\/em>goes on to explain that:<\/p>\n<blockquote>\n<p><em>\u201cThe cost of PMI varies based on your loan-to-value ratio \u2013 the amount you owe on your mortgage compared to its value \u2013 and credit score, but you can expect to pay between $30 and $70 per month for every $100,000 borrowed.\u201d\u00a0<\/em><\/p>\n<\/blockquote>\n<p>According to the\u00a0<em>National Association of Realtors,<\/em>\u00a0the average\u00a0<a href=\"http:\/\/www.realtor.org\/reports\/highlights-from-the-profile-of-home-buyers-and-sellers\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">down payment<\/a> for all buyers last year was 13%. For first-time buyers, that number dropped to 7%, while repeat buyers put down 16% (no doubt aided by the sale of their homes). This just goes to show that for a large number of buyers last year, PMI did not stop them from buying their dream homes.<\/p>\n<p>Here\u2019s an example of the cost of a mortgage on a $200,000 home with a 5% down payment &amp; PMI, compared to a 20% down payment without PMI:<a href=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2019\/06\/24165250\/MEM-20190619.jpeg?ssl=1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-39587\" src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2019\/06\/24165250\/MEM-20190619.jpeg?resize=650%2C422&#038;ssl=1\" alt=\"What You Need to Know About Private Mortgage Insurance (PMI) | Simplifying The Market\" width=\"650\" height=\"422\" \/><\/a>The larger the down payment you can make, the lower your monthly housing cost will be, but\u00a0<em>Freddie Mac\u00a0<\/em>urges you to remember:<\/p>\n<blockquote>\n<p><em>\u201cIt&#8217;s no doubt an added cost, but it&#8217;s enabling you to buy now and begin building equity versus waiting 5 to 10 years to build enough savings for a 20% down payment.\u201d<\/em><\/p>\n<\/blockquote>\n<h3><strong> Bottom Line<\/strong><\/h3>\n<p>If you have questions about whether you should buy now or wait until you\u2019ve saved a larger down payment, let\u2019s get together to discuss our market\u2019s conditions and help you make the best decision for you and your family.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Whether it is your first time or your fifth, it is always important to know all the facts when it comes to buying a home. With the large number of mortgage programs available that allow buyers to purchase homes with down payments below 20%, you can never have\u00a0too much information about\u00a0Private Mortgage Insurance (PMI). What [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2323,"comment_status":"false","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10157519356927224_105287467588662":"","twitter_15771620_15771620":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[54],"class_list":{"0":"post-2322","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-local-info","8":"tag-100-financing","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What You Need to Know About Private Mortgage Insurance (PMI)&#8212;NWI Loan Guy Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nwiloanguy.com\/blog\/what-you-need-to-know-about-private-mortgage-insurance-pmi\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What You Need to Know About Private Mortgage Insurance (PMI)&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"Whether it is your first time or your fifth, it is always important to know all the facts when it comes to buying a home. 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