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did you purchase your home in the last three or four years with a low down payment and as a result you probably got pmi specifically if you put less than 20 down you probably ended up with pmi built into your mortgage payment easy thing to do is to contact me and we can review the numbers together but heres what were going to look at if you have 20 equity in your house as a result of appreciation because home values have been skyrocketing so if you have 20 equity in your home and you have a low interest rate and it doesnt make sense to refinance right now you can still get rid of the pmi the rules for having it removed because of appreciation is that number one you have to have at least 20 equity in the property and you have to prove it with an appraisal the loan servicer will tell you what kind of appraisal you need to get that to prove the value in addition to that you cannot have a second mortgage on your property so no home equity line of credit no second mortgage no additional