My wife and I did not put a down payment on our house so we have to pay about $65/mo in mortgage insurance. We have very good credit and have made all payments on time. When do we get to stop paying this? I thought I remembered 2 years, but I'm not sure.

Mortgage insurance is placed on a loan anytime it is over 80% Loan to Value (LTV) once you get below 80% the mortgage insurance will go away. When you have a loan that is more than 80% the value of the home it looks riskier to the lender. Make sure you keep on it because most banks will not just take it off...you have to tell them to!!

when you build 20% in equity

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