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...or only PMI now? 1) For piggy back loans, I normally see 5/15/80 or 10/10/80. Is there a 15/5/80 or something in between (meaning 15% down payment)? 2) For secondary loans, is there a prepayment penalty if paid off before 30 years?3) How is PMI calculated? Is that a percentage of loan amount? Can anyone claim interest deduction in taxes or is there an income limit?

[joy lucky]

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