{"schema_version":1,"workflow_version":1,"slug":"pmi-cancellation-request-packet","name":"PMI Cancellation Request Packet","description":"Check the supported original-value request path or ask for current-value evaluation instructions, create a signed PMI cancellation request, attach supporting copies, and mail the reviewed packet by Certified Mail.","agent_summary":"Prepare a borrower-authored PMI cancellation request for a one-unit principal residence with a conventional closed-end mortgage and borrower-paid PMI. Support either a server-validated original-value request at or below 80% using borrower-supplied figures, or a non-guaranteeing current-value evaluation and valuation-instructions request. Require a current account, the common 30/60-day payment-history confirmations, a current servicer-designated PMI correspondence address, no payment or valuation-fee enclosure, and no active foreclosure sale, bankruptcy, or litigation. Do not use for FHA, VA, USDA, lender-paid insurance, HELOCs, reverse mortgages, unsupported property types, automatic-termination disputes, or a promised outcome.","form_summary":"Use this workflow for borrower-paid PMI on your own conventional mortgage. PostalForm checks the narrow original-value arithmetic or prepares a current-value evaluation request, generates the signed letter, appends your supporting copies, and mails the reviewed packet to the servicer address you confirm.","data_collected":["Borrower identity, return address, property address, contact details, and mortgage account number","Mortgage type, PMI type, property scope, loan purpose, original-value figures, current principal balance, and payment-history confirmations","Current-value evaluation reason and optional improvement or value details when that branch is selected","Mortgage servicer, PMI or mortgage-insurance department, current confirmed mailing address, and address source","Optional supporting mortgage statements, PMI disclosures, closing records, appraisals, curtailment records, and servicer correspondence","Typed or drawn borrower signature and product-limit acknowledgements"],"topics":["mortgages","private mortgage insurance","PMI cancellation","homeowners","consumer finance","certified mail"],"category":"pmi_cancellation_request_packet","publish_state":"published","aliases":["private-mortgage-insurance-cancellation","mortgage-insurance-removal-request","pmi-removal-letter"],"llms":true,"indexable":true,"certified_mail":"required","recipient":{"mode":"user"},"compliance_policy":{"id":"pmi_cancellation_request_packet","version":1,"recheckStages":["preview","approval","checkout","payment","fulfillment","machine"]},"checkout_flow":"forms_order","published_at":"2026-08-15","updated_at":"2026-08-15","groups":[{"id":"scope","label":"Supported PMI scope","description":"Confirm this is borrower-paid PMI on your own conventional mortgage. Other mortgage-insurance products and urgent legal matters use different paths.","depends_on":[]},{"id":"path","label":"Choose the request path","description":"Use original value only when the supplied balance is at or below 80% of the applicable original value. Current-value requests ask the servicer for its rules and approved valuation process.","depends_on":[]},{"id":"original_value","label":"Original-value request","description":"Enter the figures from your closing or refinance records and a current mortgage record. PostalForm validates the 80% comparison but does not decide final eligibility.","visibility":{"fieldId":"request_path","operator":"equals","value":"Original-value PMI cancellation request"},"depends_on":["request_path"]},{"id":"current_value","label":"Current-value evaluation request","description":"Ask the servicer which investor, seasoning, property, loan-to-value, and approved valuation requirements apply. Do not order a valuation independently unless the servicer says it will accept it.","visibility":{"fieldId":"request_path","operator":"equals","value":"Current-value evaluation and valuation instructions"},"depends_on":["request_path"]},{"id":"borrower","label":"Borrower and mortgage","description":"Enter the information the servicer needs to identify you, the property, and the mortgage account.","depends_on":[]},{"id":"servicer","label":"Mortgage servicer and PMI address","description":"Use the current department and address for PMI or mortgage-insurance cancellation correspondence—not a payment address unless the servicer says they are the same.","depends_on":[]},{"id":"evidence","label":"Supporting records","description":"Add relevant copies only. Keep originals and do not include a payment or valuation fee.","depends_on":[]},{"id":"review","label":"Sign and review","description":"Sign the request and confirm the facts, destination, and product limits before preview.","depends_on":[]}],"fields":[{"id":"relationship_to_loan","label":"Your relationship to the mortgage","type":"select","required":true,"meta_class":null,"ui_width":null,"group_id":"scope","choice_group":null,"choice_label":null,"depends_on":[],"options":["Borrower or co-borrower","Authorized representative","Successor, heir, or estate representative","Another relationship or unsure"],"compound":null},{"id":"loan_type","label":"Mortgage type","type":"select","required":true,"meta_class":null,"ui_width":null,"group_id":"scope","choice_group":null,"choice_label":null,"depends_on":[],"options":["Conventional closed-end residential mortgage","FHA mortgage","VA mortgage","USDA mortgage","Home equity line of credit (HELOC)","Reverse mortgage","Another loan type or 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