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That's not always the case... what happens is were the broker has put you policy changes? Or don't get a valuation in future that stacks up. These are out of the brokers control. Still can happen.

I wouldn't say over $1M for everyone is a bad thing. It all depends on the individual situation. If you're not over 80% you're not going to have LMI (genworth) involved either way... also not all cases that go to genworth don't get approved, issue is that they assess with a much higher...