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How Does the Buyer Apply for PMI?

You don't! The lender is the PMI company's client and the lender will apply for mortgage insurance IF their  loan program requires Mortgage Insurance. The Lender will apply and obtain this insurance during the loan processing phase.

The borrower who shopping for a lender should not only be shopping interest rate, term, finance/closing costs but also MORTGAGE INSURANCE PREMIUMS to insure they are getting the best insurance rates based on their loan options from their lender.

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