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You don't pick the home loan insurance company as well as you can't work out the costs. Simply put, when refinancing a residence or buying with a traditional home mortgage, if the loan-to-value (LTV) is above 80% (or equivalently, the equity placement is less than 20%), the consumer will likely be required to bring personal mortgage insurance coverage. It appears unAmerican, but that's what happens when you get a mortgage that goes beyond 80 percent loan-to-value (LTV).