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Im going to give you an easy tip on how to potentially save 150 per month on your monthly mortgage payment now not everyone who qualifies to listen up to see if this applies to you PMI or private mortgage insurance is required by the lenders to protect them if you default on your loan this usually results in an extra 100 to 150 dollars per month tacked onto your monthly mortgage payment if you have owned your home for a while then chances are you may have 20 Equity built up having 20 Equity built up is the requirement to have the PMI taken off your mortgage the problem is the mortgage company is not going to just take it off automatically when you hit that 20 Mark simply call your mortgage company and tell them you want to see if you qualify to have your PMI removed sometimes this is a very easy process but keep in mind sometimes they will require an appraisal either way saving that 100 to 150 a month is well worth a simple phone call