Can you stop paying PMI?

This free check looks at your loan two ways — because your mortgage company does too.

Original-value LTV compares what you still owe to the home’s value at closing (sale price or appraisal, whichever was lower). Current-value LTV compares what you owe to what the home is worth today. You need both numbers labeled; they are not the same.

This is educational information only. We are not your loan servicer and this is not legal advice.

Federal rules (Homeowners Protection Act) use original-value LTV for one cancellation path. Your investor may also allow cancellation when current-value LTV is low enough.

About you

Your loan numbers

Sale price or appraisal at closing — use whichever was lower.

Current principal balance on the loan.

In months (360 for 30 years, 180 for 15).

Closing or refinance date.

Used only for current-value LTV — not the closing value above.

Only if you’ve paid ahead of schedule.

Helps us estimate our file fee (see below).

Optional help getting PMI removed

The screener is free. If you want us to prepare and track a cancellation request with your servicer, you pay a file fee: 10% of estimated PMI you’d still pay before automatic removal, capped at $349. That fee covers the checklist items you select below — not a flat menu total.

Appraisal costs are separate: if you need a new appraisal for this path, our coordination fee is $79; the appraiser’s fee (often $450–$700) is paid directly to the appraiser. Automatic removal at 78% original-value LTV does not require that appraisal.

Totals below are estimates until checkout. Choosing “Not sure yet” does not add anything.

Would it help if we drafted and sent the cancellation letter to your servicer?

We write it, send it, and track their response.

Would it help if we confirmed your loan is current with the servicer?

We get a current-status letter for your file.

Would it help if we checked the last 12 months for 30-day late payments?

Late payments in this window can block cancellation.

Would it help if we checked the 12 months before that for 60-day late payments?

We review the earlier year servicers also ask about.

Would it help if we checked for a second mortgage or HELOC?

Junior liens can block PMI cancellation.

Appraisal option

Enter home value at closing and what you owe today. An appraisal to prove the home hasn’t dropped is only offered when you’re close enough to request cancellation early — not for automatic removal at 78%.

Your estimate

$0 to us — pick any “Yes” above to see pricing.

Estimates only; not a guarantee PMI will be cancelled. Appraiser fees are never included in our $349 file-fee cap.