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Kristen Misamore | Mortgage Planner on Instagram: "Mortgage insurance — explained in plain English! 🏡 Mortgage insurance is insurance for the bank, not the buyer. It exists so people can buy a home without putting 20% down. Here’s how it works depending on the loan type: FHA loans: Mortgage insurance usually stays for the life of the loan. Even if your home goes up in value, it does not automatically fall off. The only way to remove it is typically by refinancing later. Conventional loans: Mort
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