Guide
PMI removal letter sample you can send to your servicer
See what a PMI cancellation request letter includes: borrower details, loan number placeholder, servicer address, subject line, and a citation to the Homeowners Protection Act.
What a strong cancellation letter includes
A useful PMI cancellation letter is specific. It names you, your property address, and your loan number. It states the unpaid principal, the value you are relying on, and the loan to value ratio. It asks for written confirmation and a stop to PMI billing. It cites the Homeowners Protection Act of 1998, 12 U.S.C. sections 4901 to 4910.
Subject line that gets routed correctly
Servicers process thousands of letters. A clear subject line such as Request to Cancel Private Mortgage Insurance, plus the loan number, helps the mailroom send it to the insurance desk instead of general correspondence.
Proof of value and supporting papers
If you are using original value and scheduled amortization, you may not need a new appraisal. If you are using current market value because prices rose, include a recent appraisal or broker price opinion. Always include a copy of your latest loan statement.
How we build your letter
Cancel PMI fills in your name, mailing address, servicer, and figures, then adds step by step sending instructions and a document checklist. You still sign the letter and confirm the servicer address on your statement before you mail or upload it.
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