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how do I cancel my PMI hello Im Emanuel St Germain CEO of choice Mortgage Group okay so you bought a house and you didnt put 20 down so you have private mortgage insurance also known as PMI so how do you get rid of it well there are typically three ways or scenarios that allow the PMI to remove so lets review those options option one if you dont do anything at all when the loan to value docHubes 78 percent of the original value on the amortization schedule the PMI will be eligible to fall off option two you can pay down the difference to 80 percent of the original value at any point in time that will make you eligible to remove the PMI for example you bought a home and sold your previous home after your purchase so you have a windfall of cash that you now want to put towards your new loan option three I want to use the new value of the current value of my property since appreciation has occurred this is typically the option we see most in most private mortgage insurance companies r