Werewolf..
your input is totally incorrect. The same interest rates are available with 10%-15%-20% down. The difference is that the mtg ins payment is extra with 10%-15% down. These ARE all conforming F/F loans.

There may be an option to have a higher interest rate with “lender paid” mtg ins, but this is usually a poor choice as you will have a higher rate and payment fixed for 15/30 years.(Real dumb)
When the borrower pays mtg ins, it will go away some day…HLS