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.
Down Payments and Private Mortgage Insurance. Some lenders require 20 percent of the homeâs purchase price as a down payment. However, many lenders now offer loans that require less than 20 percent down â sometimes as little as 5 percent on conventional loans.If a 20 percent down payment is not made, lenders usually require the homebuyer to purchase private mortgage insurance (PMI) to protect the lender in case the homebuyer fails to pay. fee may be charged for locking in the loan rate. This fee may be refundable at closing. Lock-ins can protect you from rate increases while your loan is being processed; if rates fall, however, you could end up with a less-favorable rate. If that happens, try to negotiate a compromise with the lender or broker.