TrueOwn Blog
Plain-English answers for homeowners.
We unpack the rules, fees, and fine print your mortgage company doesn't volunteer. Federal HPA, RESPA escrow, FHA MIP, refinancing math. Free calculators included.
- Educational content. Not legal or financial advice.
- Reviewed before publication.
Drop your PMI
- Drop your PMI
PMI Cancellation Letter Template: The Two-Letter System Servicers Rarely Explain
Free PMI cancellation letter templates with the federal-law citations that frame each request. Step-by-step walkthrough plus top-16 servicer correspondence addresses.
- Drop your PMI
How to Cancel PMI: The 2026 Homeowner's Guide to Stopping the Extra Monthly Fee
Federal law lets you cancel PMI when you hit 20% equity. Here's exactly how to get rid of PMI in 2026, including if your home value has gone up.
- Drop your PMI
How to Drop PMI Early Using Your Home's Rising Value
Federal law and Fannie/Freddie guidelines let you cancel PMI based on your home's current appraised value, not just what you originally paid. Here's the math, the request process, and when appreciation-based cancellation is the right move.
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How to Drop PMI Early Using Your Home's Rising Value
Stop overpaying