What type of conventional loan should a buyer choose loavoid paying PA$?$O A $-$ a loan with an LTV of $80\%$ or lower $8-$ a budget loan with a $10\%$ down poment C$-$apackage mortgage, which requies an LTV o$/85\%$O D$-$ an ARM, which starts al $95\%$ LTV then adjusts ater $5$ years