Pmi Removal Threshold Timing Check

Check PMI removal timing against the balance thresholds that trigger cancellation rights. Preparation only, not an account action.

What to provide

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

How it works

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.

The output

loan | original_value | current_balance | ltv | request_threshold | auto_threshold | status

Worked fictional example

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.

Checks and limits

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.

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Method: reviewed source. Demand lead: Documented real-estate workflow need from the reviewed source; not measured exact intent. Site impressions are not monthly volumes; exact topic volume is unmeasured. Checked October 21, 2026.