A.I. automatically does many things for you here: Determines if your doing an FHA Loan type, Notices the occupancy type (primary, secondary, investor) Checks to see what type of MIP this particular loan requires depending upon many things such as: Purchase or Refi? If Refi, date loan closed, type refi?, Condo?, Originally pays no MIP, VA borrower, first time borrower who took class and many, many more. To the left are some of the menus that are automatically presented to you based on the answers to your previous questions. Your exact MIP factor is eventually determined and placed within this goodfaith. This is A.I. This is Utopia