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My opinion is that we must lend ourselves to others and give ourselves only to ourselves. If my will happened to be prone to mortgage and attach itself, I would not last: I am too tender, both by nature and by practice.
—Michel de Montaigne (1533–1592)
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Nichols [the money lender]: “In this sharing and living as one family that you talk so much about, [who] has conferred the most obligations?” David: “In all our transactions with each other, I believe the word obligations was never once thought of by either of us.” Nichols: “But many a man has come to me to mortgage his last foot of land, and all his complaint has been of ingratitude from those he had obliged.” David: “You don’t speak our language, sir.” Here Nichols sneers.
—Sarah Fielding (1710–1768)
FYI On PMI General Information On Private Mortgage Insurance ... Private mortgage insurance has helped create millions of new homeowners by allowing people to buy homes with much smaller down payments than had previously been accepted. As home prices continue to soar, the ability to purchase a home with a small down payment has become even more important...