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Oh, on a related note, a while back someone had asked if PMI was required from everyone. It is not, the current institution I work at doesn't even make you take it even if you are at 100% loan to value. (you owe exactly what the home is worth) Also, we also may not require a downpayment, depending on your credit history.
Just figured it might be a useful FYI when you are checking around for a mortgage loan.
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Just in case you were wondering...
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