Millions of homeowners pay Private Mortgage Insurance (PMI) long after they have a legal right to stop. PMI Ninja will slash it for you.
Mortgage payment
$3,000
Principal & interest
Property taxes
Homeowner's insurance
PMI
Canceled by PMI NinjaNew payment
$2,800
PMI protects your lender, not you. Worse, it is often quietly charged on your mortgage every month years after it is required.
We run the process to make your lender cancel it.
Average PMI payment
And rising with home values
Quick info plus authorization to contact your lender on your behalf.
We compile the evidence, file the paperwork, and chase the follow-ups until your PMI is officially removed.
Your mortgage payment falls and you keep thousands in savings.
When you're ready, we can contact your lender to gather your exact details and show you your savings.
Check my details — freeWe use this only to estimate your typical PMI cost — no score needed.
Numbers are illustrative. We confirm your exact PMI cost from your servicer statement before any work begins.
Once removed, pay your same PMI amount to us for 12 months. Then every PMI dollar — for the life of the loan — stays with you.
See the full breakdownMonths 1–12
Pay your old PMI amount to PMI Ninja
Month 13 onward
You keep all savings
PMI is Private Mortgage Insurance — an extra monthly charge most lenders require when you buy a home with less than 20% down. Here's the part nobody tells you: it protects your lender, not you, if you default on your mortgage loan. Once you've built enough equity, you have a legal right to cancel it.
Yes, you can. But if you let PMI Ninja help you, there's no upfront cost — we offset your appraisal expense, handle the paperwork, and make sure everything processes properly with your lender. From quoting the Homeowners Protection Act to managing valuation disputes, every step is done for you. And you only pay if it actually works.
We work with conventional mortgages — the bulk of U.S. home loans. FHA loans are a different animal: their mortgage insurance is set by federal rules and usually can't be canceled without refinancing. We'll tell you up front whether your loan qualifies, before any work begins.
They can't refuse if you meet the legal criteria. The Homeowners Protection Act gives you the right to cancel PMI at 80% loan-to-value and requires automatic termination at 78%. We know the criteria your servicer follows and we don't stop until they confirm cancellation in writing.
We will keep your file open until your home equity rises enough to successfully remove your PMI. Any out-of-pocket expenses for the unsuccessful attempt are offset by us as part of the engagement. You only pay our success fee when we successfully cancel your PMI.
Most cases close in 30–60 days. We manage the details so you can rest easy.
No. We never pull your credit. The whole process happens between us, an appraiser, and your servicer — totally separate from your credit file.
Absolutely not. That's the whole point. Refinancing in a high-rate environment is a terrible trade. We use the cancelation pathway your loan already gives you.