Private Mortgage Insurance or Insurer(PMI). These are privately-owned companies that provide mortgage insurance. They offer both standard and special affordable programs for borrowers. These companies provide guidelines to lenders that detail the types of loans they will insure. Lenders use these guidelines to determine borrower eligibility. PMI's usually have stricter qualifying ratios and larger down payment requirements than the FHA, but their premiums are often lower and they insure loans that exceed the FHA limit.
To avoid rasing the temperature of a freezer, freeze no more than one-tenth of the appliance’s capacity of food at one time. Also, be sure to cool foods brefore storing in the freezer. To cool hot food quickly, sit the base of the container in a sink half-filled with cold water.