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Side note: If your down payment is under 20%, many lenders will require that you won't mortgage insurance (see glossary at the end of this guide). One method of getting around is actually a to get hold of a second mortgage from 2nd lender. A common example could be the 80-15-5 breakdown; which means 80% from a primary lender (first mortgage), 15% via secondary lender (second mortgage), and 5% down payment (out of pocket).
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