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Side note: If your down payment is compared to 20%, many financiers will require that fresh mortgage insurance (see glossary at the end of this guide). One method of getting around the to have a second mortgage from a second lender. A frequent example is the 80-15-5 breakdown; which means 80% out of your primary lender (first mortgage), 15% because of a secondary lender (second mortgage), and 5% down payment (out of pocket).

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