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How does Zillow calculate PMI

I'm confused by Zillow's PMI estimate. I thought 95% gave 0.78 PMI/yr. The Zillow calculation is almost 20% higher. Any explanation?
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August 18 2010 - Durham
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Make sure it is not 95.01 LTV.
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August 18 2010
Ajs - Rates vary per mortgage insurance provider. There is not a standard, across the board rate any longer. For instance, on that 95% scenario, you will likely have different rates from MGIC versus RMIC.
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August 18 2010
Can't say for certain how Zillow calculates PMI on Conventional Loans. In today's market, PMI looks at location of property, LTV and credit score. You can visit www.MGIC.com and go to rate finder if you would like an accurate quote for PMI.
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August 18 2010
 
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