Lower Mortgage Rates

How can you lower your mortgage rates by reducing mortgage insurance costs? This calculator can help you estimate your monthly payment for private mortgage insurance (PMI) over a range of down payments. If your down payment is at least 20% of the appraisal value of your home, your lender does not require you to obtain mortgage insurance. Mortgage lenders look at the loan-to-value (LTV) ratio of your home before requiring mortgage insurance. You may have to obtain a home appraisal to prove your home's LTV ratio is within the required percentage.

The availability, qualifications and amounts of these coverages and discounts may vary from state to state. In addition, other terms, conditions and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. In some states, we may offer coverages and discounts that are not listed here. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your Allstate agent.

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