Finance With Factor

Author: Jason Factor

Finance With Factor, hosted by Jason Factor, is a weekly show featuring conversations, with local experts, in and around the world of real estate. We discuss everything from how home buyers, realtors, investors, and real estate professionals can grow their business, navigate real estate financing, follow market trends, secure personal finances, and maintain a sliver of sanity in the process. Jason Factor, Sr Loan Officer NMLS1401985 w/Movement Mortgage supports Equal Housing Opportunity NMLS39179 www.NMLSconsumeraccess.org For full legal disclosures go to: www.JasonFactor.com
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Language: en

Genres: Business, Investing

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"Mortgage Yoga" - MI Balancing Act
Episode 215
Wednesday, 17 December, 2025

Many homebuyers stretch and twist themselves into painful positions trying to save 20% down — and listing agents often (incorrectly) view down payment size as a measure of a buyer’s qualification. In this episode, Louis Chinappi of Arch MI explains why low-down payment loans with private mortgage insurance (PMI) can be a smart homebuying strategy. Louis breaks down what mortgage insurance really is, how PMI pricing works, and how homebuyers can balance cash on hand vs. monthly payment to improve affordability and opportunity cost. We discuss how MI can be a tool to help balance the scale of monthly payment vs. available cash — keeping reserves to strengthen offers, cover appraisal gaps, or handle renovations and repairs. If you think PMI is a deal-breaker, this episode may change your mind.