Erase the one line on your mortgage statement that never should've lasted this long.
Private Mortgage Insurance protects your lender — not you. Once you've built enough equity, you can remove it. No refinance. No credit check. No change to your rate or your term.
PMI fees vary. Over 30 years, we've seen it run anywhere from $30 to $452 a month, but $150 a month is typically about the average — or about $1,800 a year.
REMOVED
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"Most homeowners have no idea they're still paying PMI — or that they've already earned the right to remove it."
- × Your lender is required by law to send an annual notice about PMI removal eligibility — but it's often buried around page 12 of a 20-page mailing most homeowners never read closely. You probably get this thick envelope from your lender once a year.
- × The valuation your lender orders may be handled quickly, without much context on your home's specific improvements — unless you make sure that information reaches them.
- × Homeowners who go it alone frequently get denied — for reasons we help you avoid.
- × Without the right paperwork, sent the right way, requests can be delayed or denied on avoidable technicalities.
Four steps. No refinance. No guesswork.
This is the sequence we've refined over three decades of helping homeowners remove PMI — designed to help you avoid common, avoidable mistakes.
Confirm you qualify (for free)
Answer a few quick questions about your loan. We check your answers against the qualifying factors set out in the Homeowners Protection Act for a preliminary screening — your mortgage servicer makes the final determination, but this tells you where you likely stand before you spend a dollar.
We help improve your odds for success
Together, drawing on what we've learned over 30 years about what actually gets a request approved, we'll help put everything together for you — so you're going into this with the best odds possible, in the shortest time frame possible.
This is where 30 years of experience matters mostRequest your PMI removal, the right way
We create a customized letter based on your information to formally request PMI cancellation for you — built to help avoid common technicalities and delays. Answer a few simple questions and we'll create the letter, ready to print and mail.
Confirm it's actually removed (start saving money)
We walk you through what to check on your next statement, so you know PMI is gone for good — not just pending.
Why so many homeowners get rejected when they ask to have PMI removed.
After 30 years on the inside of this process, we've seen the same pattern play out thousands of times — and we'll show you how to make sure you don't get rejected.
As part of your request, your lender may (probably will) want someone to come out and evaluate your home's current value.
What happens at that visit often determines whether your request gets approved or denied.
We create the exact documents you need for the whole process — highlighting what actually adds value, in the order and format that works.
After 30 years, we know precisely what to include, what to leave out, and how to present it, so nothing gets questioned or missed.
"Just got a letter from our lender that our PMI was cancelled. Thanks for your help!"— Gabriel, Client
One flat fee. No surprises.
Often less than a single month of PMI.
- ✓ Preliminary eligibility screening against Homeowners Protection Act factors
- ✓ Your lender cancellation request letter, built for you and ready to mail
- ✓ Your custom property improvement disclosure form
- ✓ Step-by-step guidance through approval
- ✓ Conditional money-back guarantee — terms apply
See if you qualify. It's free to find out.
A few quick questions tell us whether you're likely eligible. You only pay once we believe you have a real shot at removing PMI.
Take the Free Qualifying Quiz