{"id":660,"date":"2015-05-22T17:48:10","date_gmt":"2015-05-22T17:48:10","guid":{"rendered":"http:\/\/teammovemortgage.com\/2014\/09\/06\/pmi-strategies-that-can-save-you-money-over-fha\/"},"modified":"2020-07-13T22:35:05","modified_gmt":"2020-07-13T22:35:05","slug":"what-is-pmi-insurance","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/what-is-pmi-insurance\/","title":{"rendered":"What is PMI Insurance and How Does it Affect a Mortgage Payment"},"content":{"rendered":"<p>Many buyers, especially first time buyers, do not have 20% down payment.\u00a0 Luckily there are a lot of mortgage loans offered with less than 20% down required.\u00a0 Besides VA, USDA, and FHA, there are conventional loans.\u00a0 For these Fannie Mae and Freddie Mac loans, private mortgage insurance (PMI)\u00a0is required with less than 20% down.\u00a0 Most of the time when you hear someone say PMI , everyone cringes.\u00a0 At first, buyers want to avoid it if at all possible.\u00a0\u00a0Or we hear the question &#8220;What is PMI insurance?&#8221;.\u00a0 So first of all there are several benefits of PMI.\u00a0 Plus there are money saving PMI options when financing a home with a low down payment.<\/p>\n<h2>What is PMI Insurance?<\/h2>\n<p>The basic purpose of PMI for lenders is that it protects the mortgage company from a large loss in the case of foreclosure.\u00a0\u00a0It is an insurance policy covering the lender against loss.\u00a0\u00a0This is\u00a0usually where most people&#8217;s definition stops.\u00a0 But PMI has a lot of benefits!\u00a0\u00a0The biggest advantage is\u00a0borrowers\u00a0can put down less than 20%\u00a0of the purchase price.\u00a0 Additionally,\u00a0borrowers can choose the type of PMI that fits buyer&#8217;s goals best.\u00a0\u00a0Furthermore, PMI\u00a0may be removed or lowered as the mortgage balance decreases.\u00a0 Finally,\u00a0the PMI company may offer homeownership or hardship counseling\u00a0if the borrower needs it.<\/p>\n<p style=\"text-align: center;\"><strong><span style=\"text-decoration: underline;\"><a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/05\/22\/when-does-pmi-stop-on-fha-usda-and-conventional-mortgage-loans\/\" target=\"_blank\" rel=\"noopener noreferrer\">Learn when PMI stops on FHA, USDA, and Conventional Mortgage Loans<\/a><\/span><\/strong><\/p>\n<h2 style=\"text-align: center;\"><strong>PMI Strategies for Fannie Mae or Freddie Mac Conventional Loans<\/strong><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-946 size-medium\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2015\/05\/private-mortgage-insurance-300x200.jpg\" alt=\"What is pmi insurance plus mortgage insurance advantages\" width=\"300\" height=\"200\" \/><\/p>\n<p>Most think that PMI is just a monthly amount added to the mortgage payment.\u00a0 Surprise!\u00a0\u00a0There are other\u00a0variations such as single premium up-front and split premium PMI.\u00a0 Part of\u00a0our discussion with buyers involves explaining PMI\u00a0options available.\u00a0\u00a0A buyer&#8217;s individual scenario and goals would determine which works best.<\/p>\n<h3><strong>Split Premium PMI<\/strong><\/h3>\n<p>The most popular form of a split premium PMI loan is <a href=\"http:\/\/teammovemortgage.com\/fha\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">FHA<\/span><\/a>.\u00a0 This means that there is an up-front PMI fee\u00a0plus a monthly amount added in the payment.\u00a0 An FHA loan has an up-front financed PMI in the amount of 1.75% of the loan amount.\u00a0 Plus it has a .85% (assuming over 95% financing on a 30 year loan and can be lower depending on term and LTV) monthly PMI amount.<\/p>\n<p>Conventional Split Premium Alternative to FHA.\u00a0 If the borrower has a higher credit score, the buyer may qualify for lower premiums than FHA.\u00a0 For instance the up-front PMI portion may only be .50% versus 1.75%.\u00a0 Plus the monthly amount may be lower than FHA&#8217;s .85%.\u00a0 This strategy may be used on conventional loans with 3% down payment or more.\u00a0 Where FHA may work better at lower credit scores, a conventional split PMI option may win with higher scores.<\/p>\n<h3>Single Premium PMI<\/h3>\n<p>Single premium PMI is where a borrower is charged one amount up-front.\u00a0 Because of\u00a0this one time mortgage insurance, it helps keep a mortgage payment lower.\u00a0 Where traditional monthly\u00a0PMI adds to the mortgage payment,\u00a0single premium PMI is a one and one fee.\u00a0\u00a0So more cost up-front, but a lower payment monthly.\u00a0 There are several ways a borrower\u00a0may pay the single premium PMI.<\/p>\n<p><strong>Borrower Paid Single Premium<\/strong>.\u00a0 The borrower pays the PMI at closing in cash.\u00a0 But on a refinance, it may be included in the loan amount.\u00a0 <strong>Lender Paid Single Premium<\/strong> increases the rate a little so that the lender may pay part or all of the single premium.\u00a0 <strong>Financed Single Premium PMI<\/strong> allows a buyer to finance the fee on top of the loan amount.\u00a0 This option lowers the borrower out of pocket since the fee is financed into the loan.<\/p>\n<p><span style=\"font-size: 12px;\"><span style=\"font-size: 16px;\">So now you know what is PMI Insurance.\u00a0\u00a0Plus you know there are\u00a0several PMI options often available to buyers.\u00a0\u00a0Keep in mind that Fannie Mae or Freddie Mac loans with PMI demand higher credit scores.\u00a0 Lower scores such as 640 would be more expensive than 740 for instance.\u00a0 We have several PMI companies at our disposal to give our borrowers the best options for financing loans with low down payment.\u00a0 <\/span><\/span><\/p>\n<p><span style=\"text-decoration: underline;\"><a href=\"http:\/\/teammovemortgage.com\/our-team\/\" target=\"_blank\" rel=\"noopener noreferrer\">Contact us today to discuss which PMI strategy works best for your scenario<\/a><\/span><\/p>\n<p><em><strong>\u00a0<\/strong><\/em><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many buyers, especially first time buyers, do not have 20% down payment.\u00a0 Luckily there are a lot of mortgage loans offered with less than 20% down required.\u00a0 Besides VA, USDA, and FHA, there are conventional loans.\u00a0 For these Fannie Mae and Freddie Mac loans, private mortgage insurance (PMI)\u00a0is required with less than 20% down.\u00a0 Most [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":946,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,24,33,325,17],"tags":[9,10,347,348,11,349,326,350,351,352,353,354,355],"class_list":["post-660","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-fha","category-frequently-asked-questions","category-pmi","category-products","tag-first-time-buyers","tag-homebuyers","tag-how-much-is-pmi-insurance","tag-lender-paid-pmi","tag-low-down-payment","tag-mortgage-insurance","tag-pmi","tag-pmi-insurance","tag-single-premium-pmi","tag-split-premium-pmi","tag-what-is-pmi","tag-what-is-pmi-insurance","tag-what-is-pmi-mortgage-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is PMI Insurance 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