Some home buyers in Washington State choose to put 20% down when buying a house, in order to avoid private mortgage insurance (PMI). But that’s not the only way to avoid PMI when buying a home. The 80/10/10 “piggyback” loan strategy is another way of avoiding mortgage insurance.
Objective: This article explains what PMI is, and how you might be able to avoid it by combining two mortgage loans to buy a home.
In Washington State, private mortgage insurance is typically required in situations where a conventional home loan exceeds 80% of the property value. This is often the case when a borrower makes a down payment less than 20%.
PMI is a unique kind of insurance that is paid by the homeowner. The policy protects the mortgage lender from potential losses that may result from borrower default. In this context, “default” is when a homeowner is unable to continue making payments on the loan.
Washington State private mortgage insurance is usually required when a loan accounts for more than 80% of the home’s value.
But it’s not necessarily a bad thing. In fact, without the PMI industry, many people would be unable to buy a home due to a lack of funds. Private mortgage insurance offers a path to financing for people might not otherwise qualify for a home loan.
Of course, as a home buyer, you’d obviously like to avoid this extra cost if at all possible. And it is possible. There are several ways to avoid paying private mortgage insurance in Washington State. And one of them is by using what’s known as an 80/10/10 piggyback loan.
Washington State home buyers can avoid PMI by making a down payment of 20% or more, which in turn keeps the loan-to-value ratio below 80%. But not everyone can afford to put 20% down. Fortunately, there’s another option.
Borrowers in Washington State can also use an 80/10/10 piggyback loan to finance their purchase, as a way of avoiding private mortgage insurance. The “piggyback” descriptor comes from the fact that there are two loans associated with the home purchase.
In the 80/10/10 scenario, the home buyer makes a down payment of 10%. The remaining 90% of the purchase price is covered by two loans, one for 80% and the other for 10%. It all adds up to 100%.
There are other variations of the piggyback loan strategy. The 80/10/10 version is one of the most common. This strategy allows home buyers to make a down payment less than 20%, while avoiding the extra cost associated with PMI.
There are a lot of different loan options available to Washington State home buyers. That’s why it’s so important to consult with an experienced mortgage professional — someone who can help you choose the right financing option based on your unique situation.
Have questions? Sammamish Mortgage is a local, family-owned company based in Bellevue, Washington. We serve the entire state, as well as the broader Pacific Northwest region. Please contact us if you have mortgage-related questions.
Updated at 2021-06-22
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Other Disclosures With Your Consent
Other Disclosures Without Your Consent
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Sale of Business
Links to Other Websites
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The California Consumer Privacy Act (CCPA) requires us to disclose categories of Personal Information we collect and how we use it, the categories of sources from whom we collect Personal Information, and the third parties with whom we share it, which we have explained above. We are also required to communicate information about rights California residents have under California law. You may exercise the following rights:
If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us. For more information about these rights, please contact us. Request to Not Sell for California Residents You may submit a request to us to not sell your Personal Information, which will be effective for 12 months [add url to specific website called “Do Not Sell My Personal Information” that allows consumers to opt out of the sale of personal information
California Information Sharing Disclosure
California Civil Code Sections 1798.115(c), 1798.130(a)(5)(c), 1798.130(c), and 1798.140 indicate that organizations should disclose whether the following categories of personal information are collected, transferred for “valuable consideration,” or transferred for an organization’s “business purpose” (as those terms are defined under California law). The table below indicates the categories of personal information we collect and transfer in a variety of contexts. Please note that because this list is comprehensive, it may refer to types of information that we collect and share about people other than yourself, for instance for those people that utilize our Rates and Money website.
|Category of Personal Information||Is information collected by us?||Is information transferred for valuable consideration?||Is information trasferred for business purposes?|
|Audio, electronic, visual, thermal, olfactory, or similar information||☐||☐||☐|
|Bank account number||☑||☐||☑|
|Commercial information (e.g., products or services purchased, or other purchasing or consuming histories or tendencies)||☐||☐||☐|
|Credit card number||☑||☐||☑|
|Debit card number||☑||☐||☑|
|Driver's License Number/ State ID||☑||☐||☑|
|Electronic network activity (e.g., browsing history)||☑||☐||☑|
|Health insurance information||☐||☐||☐|
|Identifiers (e.g., name or alias)||☑||☑||☑|
|Insurance Policy Number||☐||☐||☐|
|Online identifier (e.g., IP address)||☑||☐||☑|
|Other financial information||☑||☑||☑|
|Social Security Number||☑||☐||☑|
Don’t hesitate to contact us if you have any questions.
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This Agreement is a contract between you and Sammamish Mortgage (referred herein as “Sammamish Mortgage”, “us”, “we” or “our”) and the services accessible from the Websites (which are collectively referred to in the Agreement as the “Services”). Sammamish Mortgage includes the Services provided on our Rates and Money website discussed below.
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Links to Other Websites
This Agreement applies only to the Services. The Services may contain links to other websites not operated or controlled by Sammamish Mortgage. We are not responsible for the content, accuracy or opinions expressed in such websites, and such websites are not investigated, monitored or checked for accuracy or completeness by us. Please remember that when you use a link to go from the Services to another website, this Agreement is no longer in effect. Your browsing and interaction on any other website, including those that have a link on our platform, is subject to that website’s own rules and policies. Such third parties may use their own cookies or other methods to collect information about you.
Changes To the Agreement
You acknowledge and agree that Sammamish Mortgage may stop (permanently or temporarily) providing the Services (or any features within the Services) to you or to users generally at our sole discretion, without prior notice to you.
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Updates to Our Websites
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You further agree that all Updates will be (i) deemed to constitute an integral part of the Websites, and (ii) subject to the terms and conditions of this Agreement.
Term and Termination
This Agreement shall remain in effect until terminated by you or Sammamish Mortgage.
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Copyright Infringement Notice
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Without limiting the foregoing, Sammamish Mortgage does not make any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Websites, or the information, content, and materials or products included thereon; (ii) that the Websites will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Websites; or (iv) that the Websites, their servers, the content, or e-mails sent from or on behalf of Sammamish Mortgage are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.
Some jurisdictions do not allow the exclusion of or limitations on implied warranties or the limitations on the applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to you.
Limitation of Liability
To the maximum extent permitted by applicable law, in no event shall Sammamish Mortgage be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, for loss of data or other information, for business interruption, for personal injury, for loss of privacy arising out of or in any way related to the use of or inability to use the Websites, third-party software and/or third-party hardware used with the website, or otherwise in connection with any provision of this Agreement), even if Sammamish Mortgage has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.
Some states/jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you.
If any provision of this Agreement is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.
Except as provided herein, the failure to exercise a right or to require performance of an obligation under this Agreement shall not affect a party’s ability to exercise such right or require such performance at any time thereafter nor shall be the waiver of a breach constitute waiver of any subsequent breach.
No failure to exercise, and no delay in exercising, on the part of either party, any right or any power under this Agreement shall operate as a waiver of that right or power. Nor shall any single or partial exercise of any right or power under this Agreement preclude further exercise of that or any other right granted herein. In the event of a conflict between this Agreement and any applicable purchase or other terms, the terms of this Agreement shall govern.
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You may be subject to additional terms and conditions that apply when you use or purchase other Sammamish Mortgage’s services, which Sammamish Mortgage will provide to you at the time of such use or purchase.
Updates to this Agreement
We may change our Services and policies, and we may need to make changes to these Terms so that they accurately reflect our Services and policies. Unless otherwise required by law, we will notify you (for example, through our Services) before we make changes to this Agreementand give you an opportunity to review them before they go into effect. If a revision is material we will provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. Then, if you continue to use the Services, you will be bound by the updated Agreement. If you do not want to agree to these or any updated Agreement, you can delete your account.
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Applicable Law and Venue.
THIS AGREEMENT IS GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF WASHINGTON. NO CONFLICT OF LAWS OR PROVISIONS OF ANY JURISDICTION WILL APPLY TO THESE TERMS AND CONDITIONS. YOU AGREE THAT ANY ACTION AT LAW OR IN EQUITY ARISING OUT OF OR RELATING TO THESE TERMS AND CONDITIONS WILL BE FILED ONLY IN A STATE OR FEDERAL COURTS OF KING COUNTY, WA, AND YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT AND SUBMIT TO THE EXCLUSIVE JURISDICTION OF SUCH COURTS OVER ANY SUIT, ACTION, OR PROCEEDING ARISING OUT OF THESE TERMS AND CONDITIONS. ALL DISPUTES MUST BE ADJUDICATED IN THE ENGLISH LANGUAGE.
Agreement to Arbitrate
This section applies to any dispute EXCEPT IT DOESN’T INCLUDE A DISPUTE RELATING TO CLAIMS FOR INJUNCTIVE OR EQUITABLE RELIEF REGARDING THE ENFORCEMENT OR VALIDITY OF YOUR OR Sammamish Mortgage’s INTELLECTUAL PROPERTY RIGHTS. The term “dispute” means any dispute, action, or other controversy between you and Sammamish Mortgage concerning the Services or this agreement, whether in contract, warranty, tort, statute, regulation, ordinance, or any other legal or equitable basis. “Dispute” will be given the broadest possible meaning allowable under law.
Notice of Dispute
In the event of a dispute, you or Sammamish Mortgage must give the other a Notice of Dispute, which is a written statement that sets forth the name, address, and contact information of the party giving it, the facts giving rise to the dispute, and the relief requested. You must send any Notice of Dispute via email to: [email protected] Sammamish Mortgage will send any Notice of Dispute to you by mail to your address if we have it, or otherwise to your email address. You and Sammamish Mortgage will attempt to resolve any dispute through informal negotiation within sixty (60) days from the date the Notice of Dispute is sent. After sixty (60) days, you or Sammamish Mortgage may commence arbitration.
If you and Sammamish Mortgage don’t resolve any dispute by informal negotiation, any other effort to resolve the dispute will be conducted exclusively by binding arbitration as described in this section. You are giving up the right to litigate (or participate in as a party or class member) all disputes in court before a judge or jury. The dispute shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Either party may seek any interim or preliminary injunctive relief from any court of competent jurisdiction, as necessary to protect the party’s rights or property pending the completion of arbitration.
Any award of the arbitrator or a majority of the arbitrators will be final and binding, and judgment on such award may be entered in any court having jurisdiction. This arbitration provision will be enforced and interpreted exclusively in accordance with applicable federal laws of the United States, including the Federal Arbitration Act. Any costs, attorneys’ fees or taxes involved in confirming or enforcing the award will be fully assessed against and paid by the party resisting confirmation or enforcement of said award.
This Agreement to Arbitrate will survive the termination of your relationship with us.
You and we agree that each of us may bring a Dispute against the other only on our own behalf, and not on behalf of a government official or other person or entity, or a class of persons or entities. You and we agree, if we are a party to the proceeding, not to participate in a class action, a class-wide arbitration, a claim brought in a private attorney general or representative capacity, or a consolidated claim involving another person’s use of the site or our services. You and we agree not to combine a claim that is subject to arbitration under this Agreement with a claim that is not eligible for arbitration under this Agreement. You and we agree to waive the right to a trial by jury for all disputes.
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Additional terms and conditions may apply to purchases of goods or services on or through the Services, which terms and conditions are made a part of this Agreement by this reference.
We, through the Services, may provide a venue through which you can obtain information and you can find third-party service providers, such as financial institutions (“Third-Party Providers”). We do not endorse or recommend the products or services of any Third-Party Provider and are not an agent or advisor to you or any Third-Party Provider. We do not validate or investigate the licensing, certification or other requirements and qualifications of Third-Party Providers. It is your responsibility to investigate Third-Party Providers. You acknowledge and agree that Third-Party Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a Third-Party Provider’s products or services. You acknowledge and agree that you rely on your own judgment and your advisors in selecting any products or services offered by Third-Party Providers.
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We may share your information with third parties when you use the Rates and Money website to request a rate, quote, service, approval, or information from those third parties (a “Request”).
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If you do not want third parties to conduct necessary research to provide you with a quote for your Request, then you should not submit a Request.
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Sammamish Mortgage does not provide warranties or guarantees.
Sammamish Mortgage is a distributor and not a publisher of the content supplied by third parties; as such, Sammamish Mortgage exercises no editorial control over such content and makes no warranty or representation as to the accuracy, reliability or currency of any information, content, service or merchandise provided through or accessible via the Sammamish Mortgage Service. Without limiting the foregoing, Sammamish Mortgage specifically disclaims all warranties and representations in any content transmitted on or in connection with the Sammamish Mortgage Services or on sites that may appear as links on the Sammamish Mortgage Service, or in the products provided as a part of, or otherwise in connection with, the Sammamish Mortgage Services, including without limitation any warranties of merchantability, fitness for a particular purpose or non-infringement of third party rights. No oral advice or written information given by Sammamish Mortgage or any of its affiliates, employees, officers, directors, agents, or the like will create a warranty. Price and availability information is subject to change without notice. Without limiting the foregoing, Sammamish Mortgage does not warrant that the Sammamish Mortgage Services will be uninterrupted, uncorrupted, timely, or error-free.
Don’t hesitate to contact us if you have any questions.
Email: [email protected]
Phone Number: (425) 401-8787
This Link: https://www.sammamishmortgage.com/
This Address: 3055 112th Ave NE Suite 203 Bellevue, WA 98004