Simon; attached are four quotes for you to begin reviewing.

Two with 10% down, one with mortgage insurance financed into the rate, and one with mortgage insurance paid monthly.

Two with 5% down, one with mortgage insurance financed into the rate, and one with mortgage insurance paid monthly.

I was doing some calculations, and if we just utilized your credit score alone, the cost for the mortgage insurance will be almost half of what I quoted you in these estimates due to your higher credit score. I’ll be working on these estimates for you, also so that you can also fully review both options and decide the best way to go. Even though Amber’s credit score is above 700;, private mortgage insurance is still fairly pricy when scores are below a 740. Fortunately, you’re in a position to where you can do the Mortgage Financing with your income alone. Taking into account the opportunity to save on the cost of the loan;, it may be wise to just do the financing just under your name if the savings are significant enough.

Also, I’ll be providing you a side by side breakdown of the cost of Mortgage Insurance using your credit score alone vs Amber’s.

This is only a start; the next step will be sitting down upon review of these estimates and deciding how you want to move forward on structuring the loan.