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.

Left alone, PMI takes years to fall off. We cancel it now.

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

Letting PMI run off on its own

Years

of PMI payments before your balance reaches 80% LTV

  • • Tied to your original purchase price, not today's value
  • • Drops only on your lender's amortization schedule
  • • Thousands in PMI every year until then
  • • Any appreciation your home gained doesn't count

PMI Ninja

Now

After we remove your PMI, pay us your old PMI payment for 12 months

  • • Uses your home's current value, not the original price
  • • Appreciation can get you to 80% LTV years sooner
  • • We handle the appraisal and all lender filings

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

Even appraisal costs are offset by us.

Check my details →

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.

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.

Check my details →