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Step 1 of 6Consumer Financial Protection Bureau and mortgage servicers

PMI cancellation request packet

PMI Cancellation Request Packet helps a borrower prepare a written request to cancel borrower-paid private mortgage insurance on a supported conventional mortgage. It checks the borrower-supplied original-value arithmetic or creates a current-value evaluation request, but it does not decide eligibility, order an appraisal, pay a valuation fee, or guarantee cancellation.

Ask your mortgage servicer to review and cancel borrower-paid PMI

We validate the narrow request path, generate the signed letter, append your records, let you review the complete packet, and mail it by Certified Mail after checkout.

Certified Mail included
Current step
Supported PMI scope
Your relationship to the mortgage, Mortgage type, and Mortgage-insurance type
This step
8 fields · 8 required

PostalForm is not affiliated with Consumer Financial Protection Bureau and mortgage servicers.

Step 1

Supported PMI scope

Confirm this is borrower-paid PMI on your own conventional mortgage. Other mortgage-insurance products and urgent legal matters use different paths.

8 required

If yes or unsure, do not rely on this mailing for urgent protection.

PostalForm cannot enclose those items in this product.

Need more context?

The form is ready to fill now. If you want supporting instructions, mailing notes, or source links, they are below.

Important details+

Choose the supported original-value path or ask for current-value evaluation instructions, then add your account facts, confirmed servicer destination, signature, and supporting copies.

What you need+
  • A conventional closed-end mortgage on a one-unit principal residence that closed on or after July 29, 1999
  • Borrower-paid private mortgage insurance and a borrower or co-borrower making the request
  • A current account and the required payment-history confirmations
  • The servicer’s current address for PMI or mortgage-insurance cancellation correspondence
  • No mortgage payment, valuation fee, check, money order, coupon, or original document in the packet
  • Supporting PMI and mortgage records (optional) — Upload relevant copies such as a current mortgage statement, PMI disclosure, Closing Disclosure, original or refinance appraisal, principal-curtailment confirmation, improvement summary, or prior servicer correspondence. Do not upload originals, payment instruments, or unrelated sensitive records.
Form summary+

PMI Cancellation Request Packet helps a borrower prepare a written request to cancel borrower-paid private mortgage insurance on a supported conventional mortgage. It checks the borrower-supplied original-value arithmetic or creates a current-value evaluation request, but it does not decide eligibility, order an appraisal, pay a valuation fee, or guarantee cancellation.

How it works+
  1. Confirm the mortgage, PMI, borrower, property, and account fit the supported scope.
  2. Choose an original-value cancellation request or a current-value evaluation request.
  3. Enter the account and property facts, verify the current PMI correspondence address, and upload relevant copies.
  4. Sign and review the complete PDF, then mail it by Certified Mail through PostalForm.
Where it gets mailed+

Enter the recipient address during checkout.

Packet order+
  • Signed PMI cancellation or current-value evaluation request
  • Supporting mortgage statements, PMI disclosures, closing records, appraisals, principal-curtailment records, improvement summaries, or servicer correspondence in upload order
Common mistakes+
  • Confusing borrower-paid PMI with FHA or USDA mortgage-insurance premiums, VA funding fees, or lender-paid insurance.
  • Using the purchase price instead of the lower of purchase price and original appraisal for a purchase mortgage’s original-value calculation.
  • Treating a home-value estimate or independently ordered appraisal as proof that the servicer must cancel PMI.
  • Mailing the request to the monthly payment address without confirming the servicer’s current PMI correspondence destination.
  • Including a valuation fee, mortgage payment, payment coupon, check, money order, or irreplaceable original.
  • Assuming Certified Mail proves eligibility or guarantees cancellation.
FAQs+
When can I ask to cancel PMI based on original value?

For the narrow supported path, the workflow checks whether the current unpaid principal balance you enter is no more than 80% of the applicable original value. For a purchase, original value is generally the lower of the contract sales price and original appraisal; for a refinance, it is generally the refinance appraisal. The servicer still determines every eligibility requirement.

Can I request PMI removal based on current home value?

You can use the current-value branch to ask the servicer which investor, seasoning, loan-to-value, property, payment-history, and approved valuation rules apply. PostalForm does not order an appraisal or claim that an estimate proves eligibility.

What if PMI should already have ended automatically?

Use PostalForm’s Mortgage Payment & Escrow Error Packet to describe continued PMI after an apparent scheduled termination point and request an accounting or correction. This PMI workflow does not duplicate that servicing-error path.

Can an agent or API use this product?

Yes. The published workflow exposes the same structured fields, recipient binding, signature, attachments, Certified Mail rule, and compliance metadata through PostalForm’s Forms API, MCP, machine-order, MPP, and x402 surfaces.

Sources+
Related+
Last verified+

Last Consumer Financial Protection Bureau and mortgage servicers verification: August 15, 2026