PMI Cancellation Guides
Every legitimate way off private mortgage insurance, in plain English. Start with the checker, then go deep on your path.
How to Cancel PMI: The Complete Playbook
Every legitimate way to cancel private mortgage insurance (the 80% request, the 78% automatic trigger, the current-value path, and refinancing) in plain English.
GuideThe 78% Rule vs. the 80% Rule: Two PMI Triggers, One Big Difference
PMI has two cancellation triggers under federal law: the 80% request right and the 78% automatic termination. Here's the difference, and why waiting for 78% costs you money.
GuideAVM vs. Appraisal vs. BPO: Which Home Value Actually Counts for PMI?
Zillow says one number, an appraiser says another, your servicer orders a BPO. Here's which valuation counts for PMI cancellation, and how to use the free ones strategically.
GuideCancel PMI Using Your Home's Current Value: The Path Servicers Don't Advertise
Federal PMI rules use your home's original value, but most servicers will cancel based on today's value. Here are the 75%/80% thresholds, seasoning rules, and exactly what to say.
GuideFHA MIP: Why You Probably Can't Cancel It, and What to Do Instead
Most FHA loans since 2013 carry mortgage insurance for the life of the loan; no cancellation right exists. Here's how to check your loan, and the refinance exit that ends MIP for good.
GuideIs Paying for an Appraisal to Cancel PMI Worth It? The Break-Even Math
A $500 appraisal to cancel $150/month PMI pays for itself in under 4 months, usually. Here's the break-even formula, and the two situations where you should wait instead.
GuidePMI Cancellation Letter: Free Template That Checks Every Box
A copy-paste PMI cancellation request letter that satisfies the Homeowners Protection Act requirements, plus exactly where to send it and what happens next.
GuideYour Servicer Missed the PMI Auto-Termination Date? You May Be Owed a Refund
Servicers must cancel PMI automatically at 78% LTV, and refund premiums charged after that date. Here's how to check whether you're owed money and how to claim it.