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Unfortunately if your home mortgage was signed prior to July 29, 1999 your lender is not required to cancel your PMI once you reach any given level of equity. Federal law does not require the lender to release your PMI unless it was a part of your signing agreements.

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As a part of the Homeowners Protection Act of 1998, home mortgages signed on or after July 29, 1999 should have their PMI automatically terminated once the borrower reaches 22 percent equity in the home. By request, your PMI can be canceled in most cases once you reach 22 percent equity in the home.

If your lender says you do not qualify for termination of your PMI but you have reached 20 percent equity it may be due to particular state rules that apply to where you live. You can contact the state to learn more about particular laws in the state you live.

If your loan is considered high risk, termination at the 20 percent equity mark may not be possible. If you have any liens you may also be restricted from canceling your PMI.


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PMI is paid by borrowers on mortgages that have less than 20 percent equity. If you signed your loan following 1999, federal law requires that your PMI is lifted once you have reached 20 percent equity in your home… Construction loans offer a way for you to make an otherwise unaffordable home improvement possible. Add value to your home and take out your construction and market low rates… Unsecured loans can often be the fasted way to get a loan because you do not have to go through the work of proving yoru collaterals. You may give up a lower interest rate in the process but sometimes if you have no collateral it may be the only option available…
Refinancing house features the opportunity to take cash out as well as lower your interest rate. If you are in need of cash, your credit has improved, or rates have dropped you should get a free quote from a mortgage broker… Did you know that one of your loan refinance finance options is to lock in an adjustable rate mortgage at today’s low rates. You can also process a home equity loan and get cash out at the time of your refinance for much needed expenses…

Todays interest rates are allowing many Americans to refinance their homes and at the same time get “cash out” and or consolidate other high interest debts into their mortgage payments at a fixed rate of interest…

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