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Hi SBfamily,The best option for your current situation would be to come up with a 10% down payment, and look into 80/10/10 option. This would allow you to eliminate mortgage insurance, which it seems you are trying to avoid. Because the size of the loan falls into High-balance territory, there are not many options out there for less than 10% down on this purchase price.Feel free to contact me through my profile if you have any additional questions.Best,Bryan
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