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That’s a really solid point. I’ve seen those “no PMI” offers trip up even the savviest buyers—sometimes the trade-off just isn’t worth it once you run the numbers. It’s easy to get caught up in the excitement, especially with all the marketing buzzwords. I always tell folks: if something sounds too good to be true, it’s time to pull out the calculator. Comparing the total cost over the life of the loan can be eye-opening. You’re definitely not alone in spotting those hidden costs.
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