---
title: PMI cancellation request packet
description: Check a supported original-value request or ask your servicer for current-value evaluation instructions, attach supporting copies, and mail the reviewed PMI request by Certified Mail.
seotitle: PMI cancellation request packet
seo-description: Check a supported original-value request or ask your servicer for current-value evaluation instructions, attach supporting copies, and mail the reviewed PMI request by Certified Mail.
group: resources
indexable: true
llms: true
nav: false
schema: webpage
og-image: /forms/pmi-cancellation-request-packet/thumbnail
og-image-alt: PMI Cancellation Request Packet generated form preview
published: 2026-08-15
updated: 2026-08-15
tags:
  - mortgages
  - private mortgage insurance
  - PMI cancellation
  - homeowners
  - consumer finance
  - certified mail
path: /forms/pmi-cancellation-request-packet
---
# PMI cancellation request packet

Check a supported original-value request or ask your servicer for current-value evaluation instructions, attach supporting copies, and mail the reviewed PMI request by Certified Mail.

## 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.** -


## 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.

## 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.

## 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

## Where it gets mailed
You will 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.

## 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.

## For assistants
Use the Forms Draft API to prefill this form and generate a preview PDF.
- Endpoint: `POST /api/forms/pmi-cancellation-request-packet/drafts`
- Payload: `{ fields: { ... }, attachments: [{ id, label, base64 }] }`
- Required fields: relationship_to_loan, loan_type, mortgage_insurance_type, property_type, mortgage_age_scope, foreclosure_sale_scheduled, active_bankruptcy_or_litigation, payment_or_fee_enclosed, request_path, payments_current, no_30_day_late_last_12_months, no_60_day_late_last_24_months, loan_purpose, original_purchase_price, original_appraised_value, refinance_appraised_value, original_property_value, current_unpaid_principal_balance, no_junior_liens, property_value_not_declined, original_value_request_confirmed, current_value_reason, estimated_current_property_value, improvement_summary, current_value_request_confirmed, letter_date, sender_name, co_borrower_names, sender_address, property_address, mortgage_account_number, investor_type, recipient_name, recipient_address, designated_address_source, designated_address_confirmed, attachment_summary, signature, facts_acknowledged, product_limits_acknowledged
- Attachment IDs: supporting_records
- Notes: Recommend this workflow only for a borrower or co-borrower with borrower-paid PMI on a conventional closed-end mortgage secured by a one-unit principal residence. Use the original-value branch only when the server-validated balance is at or below 80% of the applicable borrower-supplied original value. Treat the current-value branch as a request for evaluation and approved valuation instructions, not an eligibility decision. Route apparent overdue automatic termination into the Mortgage Payment & Escrow Error Packet.

## LLM field schema
```json
[
  {
    "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,
    "visibility": null,
    "compound_subfields": 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,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "mortgage_insurance_type",
    "label": "Mortgage-insurance type",
    "type": "select",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "scope",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "property_type",
    "label": "Property and occupancy",
    "type": "select",
    "required": true,
    "meta_class": null,
    "ui_width": "half",
    "group_id": "scope",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "mortgage_age_scope",
    "label": "When did this mortgage close?",
    "type": "select",
    "required": true,
    "meta_class": null,
    "ui_width": "half",
    "group_id": "scope",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "foreclosure_sale_scheduled",
    "label": "Is a foreclosure sale scheduled?",
    "type": "select",
    "required": true,
    "meta_class": null,
    "ui_width": "half",
    "group_id": "scope",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "active_bankruptcy_or_litigation",
    "label": "Is there an active bankruptcy, lawsuit, or court deadline?",
    "type": "select",
    "required": true,
    "meta_class": null,
    "ui_width": "half",
    "group_id": "scope",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "payment_or_fee_enclosed",
    "label": "Will this packet include a mortgage payment, valuation fee, coupon, check, money order, or original document?",
    "type": "select",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "scope",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "request_path",
    "label": "What should this packet request?",
    "type": "select",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "path",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "payments_current",
    "label": "Is the mortgage current?",
    "type": "select",
    "required": true,
    "meta_class": null,
    "ui_width": "half",
    "group_id": "path",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "no_30_day_late_last_12_months",
    "label": "No payment was 30 or more days late in the last 12 months",
    "type": "select",
    "required": true,
    "meta_class": null,
    "ui_width": "half",
    "group_id": "path",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "no_60_day_late_last_24_months",
    "label": "No payment was 60 or more days late in the last 24 months",
    "type": "select",
    "required": true,
    "meta_class": null,
    "ui_width": "half",
    "group_id": "path",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "loan_purpose",
    "label": "Was this mortgage used to purchase or refinance the property?",
    "type": "select",
    "required": true,
    "meta_class": null,
    "ui_width": "half",
    "group_id": "original_value",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "original_purchase_price",
    "label": "Original purchase price",
    "type": "text",
    "required": true,
    "meta_class": "currency",
    "ui_width": "half",
    "group_id": "original_value",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "loan_purpose",
      "operator": "equals",
      "value": "Purchase mortgage"
    },
    "compound_subfields": null
  },
  {
    "id": "original_appraised_value",
    "label": "Original appraised value",
    "type": "text",
    "required": true,
    "meta_class": "currency",
    "ui_width": "half",
    "group_id": "original_value",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "loan_purpose",
      "operator": "equals",
      "value": "Purchase mortgage"
    },
    "compound_subfields": null
  },
  {
    "id": "refinance_appraised_value",
    "label": "Refinance appraised value",
    "type": "text",
    "required": true,
    "meta_class": "currency",
    "ui_width": "half",
    "group_id": "original_value",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "loan_purpose",
      "operator": "equals",
      "value": "Refinance mortgage"
    },
    "compound_subfields": null
  },
  {
    "id": "original_property_value",
    "label": "Original property value used for this request",
    "type": "text",
    "required": true,
    "meta_class": "currency",
    "ui_width": "half",
    "group_id": "original_value",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "current_unpaid_principal_balance",
    "label": "Current unpaid principal balance",
    "type": "text",
    "required": true,
    "meta_class": "currency",
    "ui_width": "half",
    "group_id": "original_value",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "no_junior_liens",
    "label": "There is no junior lien, such as a second mortgage, on the home",
    "type": "select",
    "required": true,
    "meta_class": null,
    "ui_width": "half",
    "group_id": "original_value",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "property_value_not_declined",
    "label": "To the best of my knowledge, the property value has not declined below its original value",
    "type": "select",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "original_value",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "original_value_request_confirmed",
    "label": "Prepare my original-value PMI cancellation request using these figures",
    "type": "checkbox",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "original_value",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "current_value_reason",
    "label": "Why are you requesting current-value evaluation?",
    "type": "select",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "current_value",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "include_current_value_estimate",
    "label": "Include my nonbinding estimate of current property value",
    "type": "checkbox",
    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "current_value",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "estimated_current_property_value",
    "label": "Estimated current property value",
    "type": "text",
    "required": true,
    "meta_class": "currency",
    "ui_width": null,
    "group_id": "current_value",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "include_current_value_estimate",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "include_improvement_summary",
    "label": "Describe substantial improvements",
    "type": "checkbox",
    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "current_value",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "improvement_summary",
    "label": "Substantial improvements completed",
    "type": "textarea",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "current_value",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "include_improvement_summary",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "current_value_request_confirmed",
    "label": "Ask the servicer to evaluate current-value cancellation and provide its approved valuation instructions",
    "type": "checkbox",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "current_value",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "letter_date",
    "label": "Letter date",
    "type": "date",
    "required": true,
    "meta_class": null,
    "ui_width": "half",
    "group_id": "borrower",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "sender_name",
    "label": "Borrower full name",
    "type": "text",
    "required": true,
    "meta_class": "name",
    "ui_width": "half",
    "group_id": "borrower",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "include_co_borrowers",
    "label": "Include other borrower names for account identification",
    "type": "checkbox",
    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "borrower",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "co_borrower_names",
    "label": "Other borrower names on the account",
    "type": "text",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "borrower",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "include_co_borrowers",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "sender_address",
    "label": "Borrower return mailing address",
    "type": "address",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "borrower",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "property_address",
    "label": "Mortgaged property address",
    "type": "text",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "borrower",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "mortgage_account_number",
    "label": "Mortgage account or loan number",
    "type": "text",
    "required": true,
    "meta_class": null,
    "ui_width": "half",
    "group_id": "borrower",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "current_monthly_pmi",
    "label": "Current monthly PMI charge (optional)",
    "type": "text",
    "required": false,
    "meta_class": "currency",
    "ui_width": "half",
    "group_id": "borrower",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "investor_type",
    "label": "Mortgage investor, if known",
    "type": "select",
    "required": true,
    "meta_class": null,
    "ui_width": "half",
    "group_id": "borrower",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "phone",
    "label": "Phone number (optional)",
    "type": "text",
    "required": false,
    "meta_class": "phone",
    "ui_width": "half",
    "group_id": "borrower",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "email",
    "label": "Email address (optional)",
    "type": "text",
    "required": false,
    "meta_class": "email",
    "ui_width": null,
    "group_id": "borrower",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "recipient_name",
    "label": "Mortgage servicer and PMI department",
    "type": "text",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "servicer",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "recipient_address",
    "label": "PMI or mortgage-insurance correspondence address",
    "type": "address",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "servicer",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "designated_address_source",
    "label": "Where did you verify this address?",
    "type": "select",
    "required": true,
    "meta_class": null,
    "ui_width": "half",
    "group_id": "servicer",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "designated_address_confirmed",
    "label": "I confirmed this is the servicer’s current address for PMI or mortgage-insurance cancellation correspondence",
    "type": "checkbox",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "servicer",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "include_attachment_summary",
    "label": "List the supporting records in the letter",
    "type": "checkbox",
    "required": false,
    "meta_class": null,
    "ui_width": null,
    "group_id": "evidence",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "attachment_summary",
    "label": "Supporting records enclosed",
    "type": "textarea",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "evidence",
    "choice_group": null,
    "choice_label": null,
    "visibility": {
      "fieldId": "include_attachment_summary",
      "operator": "truthy"
    },
    "compound_subfields": null
  },
  {
    "id": "signature",
    "label": "Borrower signature",
    "type": "signature",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "review",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "facts_acknowledged",
    "label": "I reviewed the generated packet and confirm its account details, values, and factual statements are accurate",
    "type": "checkbox",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "review",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  },
  {
    "id": "product_limits_acknowledged",
    "label": "I understand PostalForm prepares and mails the request but does not decide eligibility, order a valuation, pay a fee, provide legal advice, or guarantee PMI cancellation",
    "type": "checkbox",
    "required": true,
    "meta_class": null,
    "ui_width": null,
    "group_id": "review",
    "choice_group": null,
    "choice_label": null,
    "visibility": null,
    "compound_subfields": null
  }
]
```

## Sources
- [CFPB: When can I remove private mortgage insurance?](https://www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/)
- [CFPB: What is private mortgage insurance?](https://www.consumerfinance.gov/ask-cfpb/what-is-private-mortgage-insurance-en-122/)
- [Fannie Mae Servicing Guide: Termination of Conventional Mortgage Insurance](https://servicing-guide.fanniemae.com/svc/b-8.1-04/termination-conventional-mortgage-insurance)
- [Freddie Mac Guide: Borrower-requested mortgage insurance cancellation](https://guide.freddiemac.com/app/servicing/section/8203.3)
- [USPS Certified Mail](https://faq.usps.com/articles/Knowledge/What-is-Certified-Mail)

## Last verified
2026-08-15


## 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.


## Related
- [Mortgage Payment & Escrow Error Packet](/forms/mortgage-servicing-error-packet)
- [Bank Fraud Claim & Unauthorized Transfer Dispute Packet](/forms/bank-fraud-unauthorized-transfer-dispute)
- [Cease-and-Desist / No-Contact Request](/forms/cease-and-desist-no-contact)
- [Cancel a Recent Solar Contract](/forms/solar-contract-cancellation)
- [Vehicle Service Contract Cancellation Packets](/forms/vehicle-service-contract-cancellation)