PMI Removal Phone Script: Exactly What to Say to Your Servicer

The first real step in canceling PMI is a phone call — not to request cancellation (that should happen in writing), but to learn your servicer's exact requirements. Every servicer has its own process: some want an appraisal, some accept a broker price opinion, some have a dedicated form or upload portal. One good call gets you all of it.

Before You Dial

• Have your loan number handy — it's at the top of your mortgage statement.
• Have your most recent statement in front of you.
• Call the customer service number on the statement and ask for the PMI or mortgage insurance department.
• Have a pen ready. You'll want every answer written down.

The Opener

"Hi, I'm calling about my mortgage — loan number [your loan number]. I'd like to cancel the private mortgage insurance on my loan, and I want to confirm exactly what your process requires."

The Five Questions

• "What loan-to-value ratio do I need to cancel PMI — and is that measured against the original value of my home or its current market value?"
• "Do you accept cancellation requests based on the home's current market value? If so, what LTV do I need and is there a minimum time I need to have had the loan?"
• "Do you require an appraisal or a broker price opinion? Who orders it, who pays for it, and how much does it cost?"
• "Where exactly do I send my written cancellation request — is there a mailing address, fax, or upload portal for the PMI department?"
• "Is there anything about my loan — payment history, second liens, loan type — that would block cancellation right now?"

The Closer

"Can I get your name and a reference number for this call? And can you send me the requirements you just described in writing?"

After the Call

Now send your request in writing. A dated letter creates the paper trail that puts your request on the official clock — our free letter builder fills in a proven template with your details in about a minute.

The Bottom Line

One call, five questions, everything written down. You'll know your servicer's rules better than most of their own phone reps — and your written request won't bounce on a technicality.

And if you'd rather not spend your afternoons on hold with your servicer, PMI Ninja makes the calls, files the paperwork, and follows up until PMI is confirmed removed — you pay nothing unless it works.