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foreign [Music] welcome back to the whats your one more podcast Im your host Quentin Harris so its around this time of the year that we get a lot of questions that kind of part of this New Years resolution also part of you know how can I improve my finances and and what I mean by that is typically lowering our monthly budget and then we see the tax questions that we get about property taxes or you know how do I file homestead Etc but theres one that comes about every single time and its how do I remove PMI from my home and and Home Loan in particular and you know on every conventional loan thats over 80 percent it comes with a private mortgage insurance premium and a lot of borrowers dont even recognize that is what it is they know they got it they know they got to have it but they dont know what it is and the reality about PMI is that its property its private mortgage insurance and whats going on with that private mortgage insurance is that youre put into a pool of other