PMI removal

Overview

Once your loan-to-value drops below the threshold — through appreciation, improvements, or paydown — a current appraisal can support canceling private mortgage insurance on a conventional loan under the Homeowners Protection Act.

Servicer requirements vary, so check your lender's specific process; we'll prepare the report to meet it.

When to use it

Canceling PMI on a conventional loan
Documenting value after improvements or appreciation
Meeting a servicer's loan-to-value requirement

What's included

Current-value appraisal report
Comparable sales analysis
Inspection type per your servicer's requirement
Report formatted to your servicer's PMI-removal rules

What we'll need for the engagement letter

Lender / servicer name
Loan number
Any lender-specific form or ordering requirements

Questions

Some servicers require you to order through their own process; others accept an independent appraisal. Confirm your servicer's rule first — we'll match their requirements.

Typically the loan balance must be at or below 80% of current value, but your servicer sets the exact threshold and rules.