Science and academia. 1  Deep geological repository for radioactive waste. 2  Institutional repository, an archive of an institution's scholarly publications. 3  Disciplinary repository, an archive of scholarly publications in a particular subject area.
One More Option: Refinancing. Homeowners may have another option to get rid of PMI: refinancing. If you think your home's value has appreciated, a new loan may account for less than 80% of the home's value, meaning you will not have to pay PMI.
The 20% is best, as it keeps you from paying PMI (Private Mortgage Insurance), which is insurance for the bank in case you default. PMI is money thrown away if you have 20% for the down. If you don't, not to worry. I borrowed 103% on my first home, so I was really making a negative 3% down payment.