You have to grab business opportunities that are available to you, whether you think it's hard or unattainable. Some of those are PMI, refinancing, and loan to value. How do these all work? In this episode, David Sidoni dives into an article about PMI and refinancing, telling tales of success stories from first-time buyers. However, this is not just an education on how they used PMI and refinancing techniques to drop hundreds of their payments; it's also a warning that these dream scenarios were once in a generation. Should that discourage you from buying a home? No, but David opens your eyes a bit to the reality of using PMI sensibly. He discusses how counting on refinancing may not be an option if you already get a historically low rate – be prepared and know the numbers, and then make this move confidently. People got good things out of it, but make sure you understand how this all works, so tune into this episode!