Let’s lower your mortgage payment with no upfront cost.

Full Service or Guided DIY — we want your PMI removed as fast as possible.

Free · Do it yourself

$0

$0 to PMI Ninja · no card required

Everything you need to cancel PMI on your own. Our mission is to help every homeowner stop overpaying — whether you hire us or not.

  • Your rights under the Homeowners Protection Act
  • The step-by-step cancellation plan
  • A word-for-word servicer phone script
  • A ready-to-send cancellation letter
  • Servicer-specific guides

You still pay out of pocket

  • Your appraisal — about $500–800, paid straight to the appraiser
  • Your time — the calls, letters, and weeks of follow-up are on you
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Switch to done-for-you anytime.

Most popular

Done for you

$2,400total

12 × your old PMI, only after it’s canceled

  • Your appraisal ($500–800) is offset by us — $0 out of pocket
  • We make the calls and filings — no work or waiting on you
  • Pay nothing until PMI is officially canceled
  • 12 payments — the same dollar as your old PMI
  • If PMI isn't canceled, you owe nothing
  • After month 12, every PMI dollar stays with you
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No out-of-pocket or upfront fees.

Left alone, you will pay PMI years longer than you need to. We cancel it so you save now.

On its own, PMI only drops from your mortgage once you’ve paid your loan down to 80% of your home’s original price, often years away. Every month until then is PMI you never get back. We use your home’s current value to cancel it now.

◂ Cancel nowKeep paying ▸
If you never cancel
Year 1
$2,400
Year 2
$4,800
Year 3
$7,200
Year 4
$9,600
Year 5
$12,000

Lost to your lender

$12,000

Cancel with PMI Ninja
Year 1
$2,400
Year 2
+$2,400
Year 3
+$4,800
Year 4
+$7,200
Year 5
+$9,600

You keep

$9,600

⇄

Drag the handle to compare — $12,000 at issue in both cases.

Amounts are illustrative and based on the PMI you entered above. We confirm your actual figures from your servicer statement before any work begins.

If PMI isn’t canceled,
you don’t pay a cent.

Appraisal costs are offset by us. We file the paperwork, we make the phone calls, we chase your lender. We are very confident in our process.

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Pricing questions

When do I actually pay?

Only after your PMI is officially canceled. Then you make 12 monthly payments equal to your old PMI — so your monthly budget doesn't change for a year.

What if you can't cancel my PMI?

You pay nothing. Even the appraisal cost is offset by us. If you don't qualify yet, we try again once you do.

Is there really no upfront cost?

Correct. No card, no out-of-pocket fee, and nothing owed until your PMI is gone.

How is my fee calculated?

It's your current monthly PMI × 12. We confirm the real figure from your servicer statement before any work begins.

What does the free DIY option include?

Your rights under the Homeowners Protection Act, the step-by-step plan, a servicer phone script, a ready-to-send cancellation letter, and servicer-specific guides — all with a free account, no card.

Can I switch from DIY to done-for-you?

Yes, anytime. Start free and hand it over to us whenever you'd rather we handle it.