Should I pay down loan to 80% before refinancing - almost same as ...

When you have at least 20% down, you have more buying power to get the best deal. You are the borrower who can look at the rates that are posted and actually get those rates.

There are also other advantages to having at least 20% down.?
- There is no mortgage insurance required
- Lower Credit Scores can qualify for the best rates
- The banks are sometimes willing to overlook some blemishes on your credit report and loosen the guidelines just a little if you are on the borderline.

Source: http://www.zillow.com/advice-thread/Should-I-pay-down-loan-to-80-before-refinancing-almost-same-as-PMI/450962/

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