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.
To calculate this ratio, take the amount of the loan and compare it to the current value of your house. For example, if your mortgage is $150,000 and your home is currently worth $200,000, your loan to value ratio is 75%.When you buy a new home, your lender will look at the amount of your down payment compared to the sales price to determine your loan to value ratio.So if you purchase a home for $200,000 and put $20,000 down, your loan to value ratio is 90%.ow to Avoid Paying Private Mortgage Insurance. The best way to avoid paying PMI is to not have it on the loan to begin with! If you are purchasing a new home, but wonât have a significant down payment, ask your loan officer for suggestions on avoiding PMI.