First Home Owner Loan Requirements PMI Timeline Infographic

Real estate infographic titled "PMI Explained". Use archetype: HOME-BUYING TIMELINE adapted to explain PMI visually for a seller audience. Editorial real-estate magazine illustration, isometric 3D style, cozy beige palette, clean professional layout. Create 6 numbered stages arranged in a clear left-to-right or top-to-bottom timeline, each stage including: a short English heading, a time estimate, an illustrative cost example in PLN (zł) clearly labeled as example, and a small property or document icon. Suggested stages: 1) Loan Application — time estimate: 1–3 days — example cost: 0 zł example — icon: mortgage document. 2) Down Payment Review — time estimate: 1 day — example: 40,000 zł example — icon: coins and house. 3) PMI Trigger Check — time estimate: same day — example: 180 zł/month example — icon: shield over home. 4) Appraisal and Inspection — time estimate: 3–7 days — example: 900 zł example — icon: clipboard and magnifier. 5) Closing Preparation — time estimate: 1–2 weeks — example: 6,500 zł example — icon: contract and key. 6) PMI Removal Milestone — time estimate: after equity threshold — example: 0 zł/month example after removal — icon: checkmark document and house. Add a small side callout panel explaining PMI as private mortgage insurance, when it is usually required, and how it may be removed, using only short English labels and captions. Include subtle visual cues for loan-to-value, equity growth, and monthly payment impact, but avoid dense text. No real bank, brokerage, or lender logos. No watermarks. No specific listing prices or city-specific guarantees. Render the target search intent only visually, not as on-image text. All text MUST be written in English (array). Every heading, label, caption, legend and metric name in the image must be in English — not English. Spell each English word correctly using English characters and diacritics. Numbers stay as digits, illustrative numbers labeled "example", no specific real-bank or brokerage logos, no watermarks No real bank / brokerage / lender logos. Illustrative numbers labeled as example. No specific listing prices or city-specific guarantees.