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one of the questions that Scott and I have been getting more and more lately is how do I go about dropping my mortgage insurance now what were going to be talking about specifically here is going to deal with conventional loans if you have a USDA loan FHA loan you know its going to be a different set of rules but this is specifically for conventional loans so were going to go through the top three ways that were seeing clients drop mortgage insurance all right the first way is if you have an 80 loan to value or LTV and all that really means is that you have 20 equity in the home the lender calculates that 20 Equity based on either the purchase price or the appraised value whichever is lower at the time you would obtain this loan and all you do is you just pick up the phone call the lender you know we call it the servicer but really its whoevers collecting your payments and and tell them Im at 80 LTV Ive got 20 equity in my home now based on you know paying the principal down an