Yup, that's under Federal law since ~1999, IIRC. THBS, if we assume (I know, I know) home values that don't decline (I know), 80% LTV should be hit considerably sooner than that default amount.-synchronicityFear of our home value having even further declined (down 7.5% from purchase price when we refi'ed) was why I waited until 78% LTV. I was afraid of what I might find out if we actually had to get it appraised again. I was actually surprised it appraised for what it did during the refi.-Steph
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