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Discussing the Mortgage Insurance Option with Your Borrower
Mortgage insurance offers several advantages for your borrower. Here are a few points to keep in mind while discussing the MI option:
- MI helps borrowers manage their cash on hand, leaving funds available for future needs.
- Borrowers who use MI can purchase homes sooner, without the burden of saving for a 20% down payment.
- With MI, borrowers get a predictable insurance charge. The insurance premium factor never goes up – in fact, in some plans it actually goes down.
- Qualified borrowers can now benefit from the tax deductibility MI offers.
- The many different rate plan options available with MI are designed to fit the diverse needs of borrowers.
- MI is cancelable – usually within 60 months.

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