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Lower My Payment Specialists helps you cancel private mortgage insurance online so you can lower your monthly payment—see if you qualify today. We are the ONLY Private Mortgage Insurance Removal (PMI) Consultants in the Country! If you've built 20% equity in your home, you may qualify to remove your PMI- and we give you the exact form lenders require to make it happen. Enjoy lower monthly mortgage payments without affecting your credit score or interest rates. Start remarkable savings throughout the life of your loan today! Take Our FREE Qualifying Quiz What is Private Mortgage Insurance? Learn More The Process Unlock effortless savings with our expert guidance! We streamline the process for homeowners, ensuring everything goes smoothly and easily. Start saving money ASAP with our simple, effective solution. On average people are able to save $1,800 a year and we've already saved our customers millions of dollars! Our team will guide you through the process making homeownership more affordable without refinancing! Start by seeing if you qualify! Discover how we can make your financial journey a breeze—no stress, just savings! "Just got a letter from our lender that our PMI was cancelled. Thanks for your help!" Gabriel, Client

Frequently asked questions Why You Don't Qualify What type of loan do you currently have on your home? We are sorry but Lower My Payment Specialists can only assist with Conventional Loans. Our specialized program is designed to optimize and reduce payments specifically for Conventional Loan borrowers. If you have an FHA or VA loan, we recommend consulting with a mortgage advisor who specializes in those loan types to explore your options for lowering your payments. Feel free to contact us if you have any questions about Conventional Loans or need guidance on transitioning to one. Our goal is to help you unlock financial freedom with lower mortgage payments. Have you been delinquent on any of your payments in the past 24 months? We are sorry, but we are not able to help you at this time because one of our lender's requirements is that you have been current with your payments for the past 24 months. Once you have made your payments on time for 24 months, we may be able to assist you in lowering your mortgage payment through our program. In the meantime, we recommend focusing on maintaining consistent on-time payments to meet this eligibility criterion. If you need additional financial advice or support, feel free to reach out to our customer success consultants, who can provide guidance tailored to your current situation. Keep this requirement in mind, and we're here to help you achieve financial freedom with lower mortgage payments as soon as you're eligible. Do you have any other loans on your home, such as a second mortgage? If you have existing liens on your property, we regret to inform you that we may not be able to assist you with our program at this time. The lenders we work with require that there be no other liens on the property for the program to be effective. This is a stringent requirement to ensure the success of refinancing options and achieving lower mortgage payments. We recommend resolving any lien issues first and then reaching out to us for further assistance in unlocking your financial freedom with lower mortgage payments. If you have any questions or need guidance on how to clear existing liens, please contact us, and we'll be happy to help. Do you believe that you now have more than 20% equity in your home? At Lower My Payment Specialists, we assist homeowners in reducing their mortgage payments, including the removal of Private Mortgage Insurance (PMI). To qualify for PMI removal through our program, lenders require that you have at least 20% equity in your home. If you meet this criterion, we can help guide you through the process of removing PMI and potentially lowering your monthly payments. However, if you do not yet have 20% equity in your home but wish to attempt PMI removal, it's important to understand that you are taking the risk of being denied. You might still choose to proceed by indicating "YES" or "I'm unsure" on the relevant sections of our qualifying questionnaire, but please be aware of the potential for denial based on your equity status. Our goal is to help you achieve financial freedom with lower mortgage payments, and we’re here to support you every step of the way. On your monthly mortgage statement from your lender is there a line item for "Private Mortgage Insurance (PMI)? Lower My Payment Specialists specializes in reducing mortgage payments by eliminating Private Mortgage Insurance (PMI) from your monthly payment. PMI is a type of insurance that borrowers typically pay when their down payment is less than 20% of the home’s value. Our program leverages the removal of PMI to help you save on your mortgage costs. If you do not currently pay PMI to your lender, we regret to inform you that you do not qualify for our mortgage payment lowering services. This is because our primary method to achieve the savings for homeowners like you hinges on removing PMI from your payments. If you have any other questions or need assistance in exploring other financial solutions, please feel free to contact us.