Please read these terms carefully before using thelmps.com or purchasing our services.
Last updated: August 2026
Lower My Payment Specialists Inc. ("LMPS," "we," "us," or "our") operates thelmps.com and provides a flat-fee evaluation and document-preparation service to help homeowners request removal of Private Mortgage Insurance (PMI) from their mortgage lender.
LMPS is not a lender, broker, or loan servicer. We do not make lending decisions, evaluate your income or credit, or guarantee that your lender will approve your PMI removal request. The final decision always belongs to your mortgage lender or servicer.
For a one-time flat fee, LMPS provides:
Our service is limited to preparing documentation and guidance based on information you provide. We do not communicate with your lender on your behalf, and we do not control or influence your lender's final decision.
The fee for our service is $150, due in full at the time of purchase, processed securely through our third-party payment provider, Stripe. This fee is non-refundable except as described in our Money-Back Guarantee & Refund Policy.
You are responsible for the accuracy of the information you provide us, including your loan details, lender information, and home improvement details. The documents we generate are only as accurate as the information you enter. We recommend reviewing all generated documents carefully before submitting them to your lender.
Nothing on this website or in any document we generate constitutes legal, financial, or tax advice. Our letter templates are provided for your convenience. If you need legal or financial advice specific to your situation, please consult a licensed attorney or financial professional.
While we aim to help you submit a well-prepared, properly documented PMI removal request, we cannot guarantee that your lender will approve it. Approval depends on your lender's own policies, your loan's current equity position, your payment history, and other factors outside our control.
You agree to use thelmps.com only for its intended purpose — requesting PMI removal assistance for your own property. You agree not to submit false or misleading information, or to use our tools or documents for any unlawful purpose.
To the fullest extent permitted by law, LMPS is not liable for any indirect, incidental, or consequential damages arising from your use of our website or services, including any decision made by your mortgage lender. Our total liability to you for any claim will not exceed the amount you paid for our service.
We may update these Terms & Conditions from time to time. Any changes will be posted on this page with an updated effective date. Continued use of our website or services after changes are posted means you accept the updated terms.
These terms are governed by the laws of the State of Colorado, without regard to its conflict of law provisions.
Email us at support@thelmps.com — we're happy to help.