system
A chat on subreddit /r/wallstreetbets
human
5% down means PMI. Doable but stupid. 
  
 30 yr fixed at current rates and you're paying off extra principal? The last few years of the loan are the cheapest and you're paying it with present day dollars. Smh.

gpt
&gt; 5% down means PMI. Doable but stupid. 
  
 It's actually much cheaper in the long run to pay the PMI then to pay 20% upfront.