Make a down payment of at least 20%
Choose a lender that offers no-PMI loan options
Use a piggyback loan structure
Apply for a VA loan if eligible
Apply for a USDA loan if eligible
Consider an FHA loan only if PMI costs are acceptable
Improve your credit score to qualify for better loan terms
Negotiate lender-paid mortgage insurance options
Wait and save more before buying
Refinance once you have enough equity to remove PMI