How it works
We do the boring part.
You keep the savings.
Most homeowners don’t realize PMI is cancelable. The ones who do usually give up halfway through. We don’t.
How it works
Most homeowners don’t realize PMI is cancelable. The ones who do usually give up halfway through. We don’t.
A few quick questions about you and your home, plus authorization to contact your lender on your behalf. No card collected until we're sure you're a good candidate.
Takes most folks just a couple of minutes, and there's no risk.
We prepare a valuation report, work with an appraiser, compile the evidence, file the paperwork, and chase the follow-ups until your PMI is officially removed — while complying with the Homeowners Protection Act and other relevant regulations.
If we don't think your PMI can be removed, we tell you up front. Your appraisal is offset by us, so there's nothing out of pocket.
Your next mortgage statement no longer includes the PMI charge, and your monthly payment drops by that exact amount — say from $3,000 down to $2,800.
After cancellation, you pay PMI Ninja your old PMI amount for 12 months. From month 13 onward, every PMI dollar is yours — for the life of the loan.
On us
On you
Rather do it yourself?
Your rights, a word-for-word phone script, and a ready-to-send cancellation letter — no charge, ever. Switch to done-for-you anytime.
Most cases close in 30–60 days from intake to your lender confirming cancellation in writing. We manage the back-and-forth so you don't have to think about it.
Two things: answer a few questions online and sign one e-form authorizing us to act on your behalf. After that, the calls, letters, appraisal coordination, and follow-ups are all on us.
Neither. No credit check, no new loan, no refinance — your interest rate and mortgage stay exactly the same. We use the cancellation pathway your loan already gives you under the Homeowners Protection Act.
We do. If your lender requires a new valuation, that cost is offset by us — so there's nothing out of pocket on the done-for-you plan.
They can't refuse if you meet the legal criteria. At 80% loan-to-value you have the right to request cancellation, and at 78% it's automatic. We know the criteria your servicer follows and we don't stop until they confirm in writing.
Only after your PMI is officially canceled. Then you pay us your old PMI amount for 12 months — your budget doesn’t change for a year — and from month 13 onward every dollar stays with you. If we can’t cancel it, you owe nothing. See the full breakdown.
Free eligibility check. No credit pull. No upfront cost.