Your servicer won't call to tell you. If your home's value has climbed, or you've paid your balance down, you may have the right to drop private mortgage insurance today. Answer a few questions and get an honest read.
Educational tool, not financial advice. We never see, save, or sell your details; the verdict math happens in your browser.
Green zone = at or below the 78% automatic-termination trigger · gold band = the 80% request threshold · your two dots show loan-to-value against original value (HPA rights) and current value (servicer current-value path).
Rates and fees vary widely; comparing 3+ lenders is the single highest-leverage move. Quotes open on the comparison site; we never see your details.
Your loan-to-value suggests substantial untapped equity. If you have a real use for it (renovation, consolidation), a HELOC lets you borrow against it without touching your first mortgage's rate.
Our value estimate is exactly that: an estimate. Your servicer will use its own appraisal or BPO as the official number, and rules vary by servicer and loan investor (Fannie/Freddie vs portfolio); this reflects the general federal (HPA) and GSE framework. Cancellation generally requires being current on payments with a good payment history. Disclosure: we may earn a commission through comparison links, at no extra cost to you. It never changes the read above.
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