If you're looking to sell a home sometime soon, here's some good news: The housing market is still red hot, so if you list your home this summer, there's a good chance you'll find a buyer and end up with an offer you're happy with. Selling a home you have negative equity in is a bad thing -- it means you'll need your mortgage lender to agree to a short sale, which could negatively impact your credit score. By putting down 20%, you can avoid private mortgage insurance, a costly premium you'd probably rather avoid.
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