Poll: 15% down payment, should I keep saving?

Time is of essence and mortgage rates are sure to rise in 2014. The Fed anticipates tapering off mortgage-backed securities, which will have a dramatic effect on the mortgage market. The question here is a matter of cost. Should one endure the cost of mortgage insurance by locking in a low interest rate now or wait to save the 20% down payment, subsequently locking at a higher interest rate.

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