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Pay For Mortgage Insurance or Pay a Higher Interest Rate The Mortgage Professor's Calculators Pay For Mortgage Insurance or Pay a Higher Interest Rate Who This Calculator is For: Borrowers trying to decide whether they should elect to pay mortgage insurance on a fixed-rate mortgage, or avoid mortgage insurance by paying a higher interest rate. What This Calculator Does:This calculator compares the after-tax interest cost of a fixed-rate mortgage on which the borrower pays for mortgage insurance with that of a higher interest rate mortgage on which mortgage insurance is avoided. Enter the Following Information:    Is This Loan for the Purchase