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Letter sample

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. There is no required form.

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 to send it

Certified mail with a return receipt, a fax if the servicer publishes one, or an upload in the loan portal all create a record. Keep a copy of the letter and the receipt. Confirm the mailing address on your latest statement before you send. Email alone is harder to prove.

How we build your letter

Cancel PMI fills in your name, mailing address, servicer, and figures, then adds sending instructions and a document checklist. You still sign the letter and confirm the servicer address on your statement. We do not mail it and we do not contact your servicer. The packet is $79 after a free check.

Common questions

No. A clear request with your loan number and figures is the core. If you cite a law, cite the Homeowners Protection Act, 12 U.S.C. sections 4901 to 4910. That is what our packet uses.

Use certified mail or the servicer portal so you have a record. Check your statement for the address or upload instructions before you send.

No. FHA uses MIP, not PMI. An HPA cancellation letter does not control MIP. Run the free check and read the FHA guide so you do not pay $79 for the wrong packet.

That is common when you are using current value. You usually pay for it. Divide the appraisal cost by your monthly PMI to see the payback. Automatic 78 percent termination still uses original value, not the new appraisal.

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Last updated: September 14, 2026