Stop paying extra for PMI.

See if your loan may qualify for cancellation using your current home value. It’s free and takes about two minutes.

We save your address and calculator progress for 90 days so you can continue your estimate. Privacy

Send me helpful PMI follow-up by mail at this address. Optional.

The two PMI thresholds

More equityLess equity

As you pay down the loan

PMI ends*

PMI generally continues

78%automatic termination*80%request cancellation

70% LTV100% LTV

80%

You may ask your servicer to cancel PMI

Payment history, liens, and property value can affect approval.

78%

PMI generally ends automatically

This follows the scheduled balance date and requires the loan to be current.

Typical borrower-paid PMI on conventional loans, using the home's original value. FHA, VA, lender-paid PMI, and investor rules differ.

01
Add your address
We’ll find your property and estimate its current value.
02
Enter your mortgage details
Add your balance, purchase price, loan type, and monthly PMI.
03
See if you may qualify
We’ll compare your loan-to-value ratio with common cancellation thresholds.

Automatic PMI removal usually follows your original home value. If your home has appreciated, a current-value review may help you qualify sooner.

Uses the original purchase price to test the rule.

Illustrative example

$8,400

possible PMI paid while waiting

Uses today’s estimated value to test the rule.

Illustrative example

$18,000

possible PMI avoided over time

Examples are illustrative only. Actual results vary by loan, appreciation, and PMI rate.

Check your eligibility in about two minutes.