Kurland said he agrees that Ginnie Mae needs more resources to monitor nonbank lenders. But about a year ago it started offering “AltQM” loans, as in: alternative to qualified mortgages. These.
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If you are buying a house and you’re putting down less than 20%, you will need private mortgage insurance or PMI. The same holds true with refinancing – if you refinance your current loan but have less than 20% equity in your home, you will need private mortgage insurance.
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