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You do not select the home loan insurance provider and you can not work out the premiums. To put it simply, when re-financing a home or buying with a traditional home mortgage, if the loan-to-value (LTV) is higher than 80% (or equivalently, the equity placement is much less than 20%), the customer will likely be needed to bring personal home loan insurance. It appears unAmerican, however that's what happens when you get a home mortgage that goes beyond 80 percent loan-to-value (LTV).