Pricing

Pay your old PMI for 12 months — then keep all future savings, forever.

No out of pocket or up front fees and nothing owed if we don't cancel your PMI.

Our pricing

Your total fee

$2,400total

Paid as $200/mo × 12 months, starting only after PMI is officially canceled.

  • We offset appraisal costs against your fees
  • We manage all lender filings and followups for you
  • 12 monthly payments after success — same dollar as your old PMI
  • If PMI isn't canceled, you owe nothing — and we try again once you qualify
  • After month 12, every PMI dollar stays with you

If PMI isn't canceled

you pay $0

Not a cent. Any appraisal cost is fully refunded. The risk lives with us.

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Compared to a refinance

The usual way to drop PMI costs thousands up front. Ours doesn't.

Most homeowners are told to refinance to get rid of PMI. That means closing costs at signing, a brand-new loan, and often a higher interest rate. We don't touch your loan at all.

Refinancing to drop PMI

$3,000 – $6,000

in closing costs, due at signing

  • • Out-of-pocket money required up front
  • • New loan, new interest rate (often higher)
  • • Resets your loan term and amortization
  • • Weeks of paperwork on you

PMI Ninja

$0

up front · $2,400 total fee, only after success

  • • Nothing out of pocket, ever
  • • Your loan, rate, and term stay exactly the same
  • • We do all the paperwork and lender chasing
  • • Fee equals your old PMI for 12 months — then nothing
The math, year by year

Year one nets to zero. Years two and beyond are pure savings.

Based on the $200/mo PMI you entered above. After cancellation, you pay us the same $200 each month for one year — so your bank account doesn't notice. From month thirteen on, every PMI dollar stays with you, forever.

Before

To your servicer

$200/ mo

Every month, indefinitely

Year 1 (after we cancel PMI)

To PMI Ninja

$200/ mo

12 monthly payments — same as your old PMI

Year 2 onward

To nobody

$0/ mo

Forever — you keep every PMI dollar

Net savings over 10 years

Year 1 nets to zero · Years 2 – 10 save $2,400 each

+$21,600

Numbers update with the PMI amount you entered above. We confirm the real figure from your servicer statement before any work begins.

The Ninja guarantee

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

Any appraisal cost is fully refunded. We file the paperwork, we make the phone calls, we chase your lender. The risk lives with us — that's how we keep ourselves honest about who we sign up.

Check my details →