# Pmi Removal Threshold Timing Check

Check PMI removal timing against the balance thresholds that trigger cancellation rights.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
The original property value, the current loan balance, and the applicable thresholds.

## Workflow
1. Record the original value and current balance.
2. Compute the loan-to-value ratio.
3. Compare to the 80% request and 78% automatic thresholds.
4. Return the check without servicer contact.

## Output contract
loan | original_value | current_balance | ltv | request_threshold | auto_threshold | status

## Fictional acceptance test
Fictional loan has an original value of 250,000 and a balance of 197,500, an LTV of 79.0%: below the 80% request threshold but above the 78% automatic point, the window where the borrower can request removal.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/

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