# PMI Isn't So Bad After All: Big Tax News for Homeowners

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Text version: https://stenobird.com/podcast/the-mortgage-guy-6318482/pmi-isn-t-so-bad-after-all-big-tax-news-for-homeowners.md
Podcast: [The Mortgage Guy](https://stenobird.com/podcast/the-mortgage-guy-6318482)
Published: 2025-09-05T12:00:00+00:00
Episode link: https://31fbe698-ace8-4bec-8d18-b8ef57d40af9.libsyn.com/pmi-isnt-so-bad-after-all-big-tax-news-for-homeowners
Audio file: https://traffic.libsyn.com/secure/31fbe698-ace8-4bec-8d18-b8ef57d40af9/Ep._103_OPUS.mp3?dest-id=3914595
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Duration seconds: 474

## Resource

🔔 This Week on The Mortgage Guy Podcast This episode covers: 📉 Big news on Mortgage Insurance (MI): The MI premium tax deduction has been reinstated after expiring in 2021. This could mean hundreds to thousands of dollars in annual tax savings for homeowners with PMI, MIP, or USDA fees. 🏡 Program-by-Program Breakdown: What the deduction looks like for FHA, USDA, and Conventional loans. 💰 Smart Money Choices: Why it may make more sense to put less money down, keep cash reserves, and still benefit from the tax deduction. 📊 Market Updates: Thoughts on federal efforts to address housing inventory and what it could mean for buyers. Whether you're a first-time homebuyer, a seasoned homeowner, or just someone weighing the cost of mortgage insurance, this episode breaks down how to maximize the benefit of this deduction and what it means for affordability in today's market. Western Ohio Mortgage MB #9601 Adam J. Rose NMLS #870301

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