Seven quick questions. No credit check, no personal financial documents needed to find out.
Question 1 of 7
Do you currently pay for Private Mortgage Insurance (PMI)?
PMI is an extra monthly charge added to protect your lender in case you stop paying — it doesn't protect you. To check, grab your most recent mortgage statement: look for a line item called "PMI" or "Mortgage Insurance," usually listed separately from your regular payment.
What type of loan do you have?
This is just the general category your mortgage falls under. Your most recent statement or original loan paperwork usually says it directly. If you're not sure, "Conventional" is the most common type for homeowners who didn't use a special government-backed program to buy their home — when in doubt, pick "not sure" and we'll help you confirm it.
Do you have a second mortgage or home equity loan (HELOC) on your home?
How long have you owned this home?
Do you believe your home is worth more today than when you bought it — through market appreciation, improvements, or both?
This just means your home's value going up over time simply because home prices in your area have risen — not because you did anything to it. Think about it this way: have homes in your neighborhood generally sold for more in the last few years than when you bought yours?
Have you made any improvements to the home since you purchased it? (renovations, additions, major repairs, finished spaces)
Are your mortgage payments current — no missed or late payments in the last 12 months?
LIKELY ELIGIBLE ★
You're a strong candidate for PMI removal.
Based on your answers, you likely have the equity and standing needed to formally request PMI cancellation — without refinancing or a credit check. This is a preliminary screening; your mortgage servicer makes the final determination.
✓ Loan type supports equity-based removal
✓ Enough time owned to show appreciation
✓ Payments in good standing
NEEDS A CLOSER LOOK ★
You may qualify — let's confirm with a closer look.
A couple of your answers mean we can't say for certain from the quiz alone. That's normal — a short review of your specific loan usually clears this up quickly.
Based on what you've told us, you likely haven't built enough qualifying equity or time in the home. That can change quickly — we'd suggest checking back in 6–12 months, or sooner if your home's value rises or you pay down principal.
✓ Set a reminder to check back — it only takes a second
Our program is built specifically for conventional loans at this time. If you have an FHA, VA, USDA, or other loan type, we're not able to help just yet.
✓ No fee, no obligation — we simply can't help with this one
We're not able to help while there's a second mortgage on the property.
Lenders won't remove PMI while a second mortgage or home equity loan (HELOC) is in place on this home. If that changes down the road, we'd be glad to take another look.
✓ No fee, no obligation — we simply can't help with this one