18 ms·A lower down is good when the market is appreciating fast and you can either refinance or get PMI removed.by sjg007 8y agoA lower down is good when the market is appreciating fast and you can either refinance or get PMI removed.cobookman 8y agoMany lenders in Bay area don't charge PMI with an 80-10-10. And you can also have the mortgage be a 30 year fixed loan.sjg007 8y agoAh thanks. That is very creative!