> From: Dan Minette [mailto:[EMAIL PROTECTED]]

> We did, so we didn't.   Do you know of a 
> counter example
> to this, where a family paid at least 20% down on a first 
> morgage on their
> primary residence and still needed to make mortgage insurance 
> payments?

No one should.  When we refinanced in October, we now have 20% equity in our
house so we were able to drop the mortgage insurance.  Sure made a
difference on those monthly payments!

 - jmh
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