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Side note: If your down payment is compared to 20%, most lenders will require that can you get a mortgage insurance (see glossary at the end of this guide). One method to get around this is to obtain a second mortgage from 2nd lender. The same example could be the 80-15-5 breakdown; which means 80% for a primary lender (first mortgage), 15% because of a secondary lender (second mortgage), and 5% down payment (out of pocket).
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