# Anybody do an 80/20 with sonyma

**URL:** https://forums.speedlife.net/t/anybody-do-an-80-20-with-sonyma/42899
**Category:** NYSpeed Off Topic
**Created:** [February 3, 2008, 8:39pm UTC](https://forums.speedlife.net/t/anybody-do-an-80-20-with-sonyma/42899 "2008-02-03T20:39:25Z")
**Posts on this page:** 1
**Showing post:** 8

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### Author: ![Nikuk](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/nikuk/32/7254_2.png) [@Nikuk](https://forums.speedlife.net/u/Nikuk)
#### Post date: [February 4, 2008, 5:56am UTC](https://forums.speedlife.net/t/anybody-do-an-80-20-with-sonyma/42899/8 "2008-02-04T05:56:50Z")

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PMI payments will generally be more cost effective then overextending into a variable “20” loan, FYI.

Also, depending on your overall finances, generally speaking: Take advantage of 1st time programs. There are alot of benes & breaks, and this’ll be your only chance to ever use them.

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