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There are multiple ways. At a minimum, the Homeowners Protection Act 1) allows you to ask for PMI to be removed when your loan balance falls to 80 percent, and 2) requires loan servicers to otherwise terminate PMI when your loan balance falls to 78 percent of the original balance. Some lenders have more generous policies, so be sure to ask. Refinancing your loan may be another early removal option if you believe your home has appreciated in value.  More about removing PMI.

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