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You do NOT always need 20% down to avoid monthly PMI. Most first-time buyers think PMI is just part of the deal if they put 3% down… But in some cases, you can use something called single premium mortgage insurance. Instead of paying PMI every month, it gets paid one time at closing. And if the seller gives you a credit to cover that cost? You may be able to buy with 3% down, keep more money in your pocket, and lower your monthly payment. This is why the mortgage strategy matters just as much as
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When the broker tries to send a rate confirmation before you even discuss the rate! Dispatching is all about knowing your worth and holding your ground. From shifting posted rates to skipping negotiations, staying firm on your floor price is how you protect your profit margins. #trucking #truck #freightdispatch #owneroperator #flatbed #freightbrokerage #truckinglife #logistics #CDLdriver #ratenegotiation #truckingindustry
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I get so many questions about down payments. More is not necessarily better. The main reason people put 20% down is to avoid PMI (private mortgage insurance) being added to your loan. PMI is not the end of the world, and it doesn't cost as much as you think. The amount you pay in PMI depends on your loan amount and credit score, and it eventually drops off when you hit 20% equity. (Conventional loan) 20% down on a $350,000 home is $70,000! Plus you have closing costs. I don't know a lot of peopl
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