<prompt> Human: Ok a little about me. Im 28, I bring home 80k girl brings home 55k. Looking to buy our first home. Its a new construction home and with upgrades is going to cost us 360,000. I have about 45k in stocks and 8k in checking and she has about the same. The current plan was to put down 10 36,000 and lenders have us at 4.298 APR, if we put down 15 its 4.198 and I havent yet asked what it would be at 20. Meeting with 2 other lenders this week but if we go with the builders preferred lender theyre going to pay the closing costs. Credit score is at 730. Hers at 748. The big question here is it worth it to sell some of our stocks to pull up 72,000 so we could get a slightly lower APR and not have to pay PMI. We would like some comfortable cash on hand after our down payment and also have a wedding to pay for next year so those are reasons I initially planned on doing 10. Just wanted your opinions before I push things forward. Thanks for your advice in advance.  <response>: Pay the 20, it will increase your equity in the home as well as reduce your interest costs. Sell the stocks if you have to, they are at an all time high anyway.Youll have enough time to save up for the wedding. 