Homeownership shouldn't cost more than it has to.
We help American families stop paying mortgage insurance they no longer owe — and keep that money where it belongs.
You have a right to keep your money.
The cost of living is rising all around us and it never seems to stop. Some things we spend money on can't be avoided — like groceries or healthcare. But there are other areas where you can save without giving up anything — like your mortgage insurance.
We don't think it's fair that millions of homeowners are paying hundreds of dollars a month for mortgage insurance they don't need and are no longer required to pay.
We exist to protect every American homeowner who wants to keep as much of their hard-earned money as possible.
Strong families build strong communities.
Your family and your household matter. Imagine if millions of families across America could save an extra $200 every month. Those families, their communities, and the world would be a little more comfortable and prosperous.
It starts with your home
You're a family with a mortgage, a budget, and goals — and we treat your money like it's our own.
Personal finance is freedom
Money you save is breathing room — for groceries, retirement, or simply peace of mind.
Strong families, strong towns
Financially secure households build stronger communities. Help one family get ahead and the whole community feels it.
A home was supposed to build your wealth — not someone else's.
For generations, owning a home was how ordinary families built security: forced savings, steady appreciation, a place that was finally yours. But housing has quietly become a store of value for investors and institutions — and as money pours in, prices climb out of reach.
The result: the typical first-time buyer is now over 40 years old — a record high, and more than a decade older than in the 1980s. People are buying later, borrowing more, and starting with less equity. That makes every avoidable dollar — like PMI you no longer owe — matter more than ever.
Median age of U.S. first-time homebuyers
Up from 29 in 1981 to an all-time high of 40 in 2025
Source: National Association of Realtors, Profile of Home Buyers & Sellers.
“Stop paying Wall Street $200 a month for nothing. Let us help you cancel your PMI today.”
— The PMI Ninja team
Three steps. We do the hard part.
Check your details
Answer a few questions in two minutes. No credit pull, no upfront cost.
We handle the work
We prepare the paperwork, manage the reappraisal, and deal with your lender.
PMI disappears
The line item drops off your statement — and you only pay us once it's gone.
Cancelling PMI isn't a loophole. It's the law.
Federal law and the rules that govern most U.S. mortgages give you the right to drop PMI once you have enough equity. The hard part isn't whether you're allowed — it's the paperwork, the appraisal, and the follow-up. That's our job.
Homeowners Protection Act
On most conventional loans, based on your original home value:
- 80%You can request cancellation
- 78%Your lender must cancel automatically
- ½Midway through the loan, it ends as a backstop
The appreciation path
If your home has gained value, you can cancel early based on its current value:
- 75%LTV if your loan is 2+ years old
- 80%LTV if your loan is 5+ years old
- ✓Confirmed by a new appraisal — the part we manage
Want to do it yourself? We help with that too.
We want you to stop paying PMI whether you are our client or not. Our free guides, letter templates, and checklists walk you through every step — no account needed.
FHA mortgage insurance (MIP) and lender-paid PMI follow different rules. Not sure what you have? We'll tell you for free.
No catch. Here's the deal.
You should never pay to find out if you qualify, and should only pay for results after we deliver.
See if you qualify and get going — free.
No removal, no fee. You owe us nothing.
Pay your same monthly PMI amount for 12 months — to us, not your lender.
The PMI Ninja Guarantee
If we don't remove your PMI, you pay us $0. No deposit, no obligation, no risk — that's our promise.
See if you qualify in two minutes.
No credit pull. No upfront cost. Just a clear answer.
Check my details