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November 22, 2004, Revised July 18, 2007, September 4, 2007, February 25, 2011 Before the financial crisis, it was possible for some home buyers to consolidate short-term debt into their purchase mortgage, usually to reduce their payments, often making themselves poorer in the process.

The consolidation increases the loan from ,000 to ,000, and the ratio of loan to value from 90% to 95%.

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However, the increase in loan size from 0,000 to 5,000 increases either the mortgage insurance premium or the interest rate on the purchase mortgage.

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