That's ok if you can get another 10%.

回答: More than 80% LTV loans are harder to get now.CaLoanAgent2008-12-13 23:47:30

FNM and FRE are gard to get PMI for those loans with LTV > 80%(one loan). So the lenders will be hard to sell those loans.

If you can find a lender willing to have a 2nd loan for 10%, then no PMI needed. Those loans are ok.

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