Stop overpaying on your mortgage
You can save thousands a year by canceling your unnecessary Private Mortgage Insurance (PMI).
PMI is your most expensive hidden subscription.
PMI protects your lender, not you. Worse, it is often quietly charged on your mortgage every month for years after it could be canceled.
$200
Average PMI removed, every month
~$2,400
Average savings in the first year
~$12,000
Typical total savings per homeowner
$0
Upfront — you only pay if it works
The charge hiding in your mortgage.
Private Mortgage Insurance (PMI) is buried in millions of mortgage payments — usually $200 or more a month. If your home’s value has climbed, we get it removed — no digging through your statement required.
−$200
every month
Monthly mortgage statement
Payment breakdown
Mortgage insurance (PMI)
We remove this
$200
How it works
Sign up in under two minutes
Enter your address
With just your address, we pull your home's current value and estimate the PMI you could stop paying.
Answer a few questions
Sign one authorization so we can work with your lender on your behalf. It's free and risk-free to start.
We remove your PMI
We gather the evidence, file the paperwork, handle any appraisal, and chase your lender until it's gone — for good.
Rather do it yourself?
Want to DIY? We’ve got your back
DIY or Full Service, we’re your go-to spot for PMI removal. We give you the full playbook to do the legwork on your own — and if you ever want us to take over, switch to Full Service at any time.
The law is on your side
Federal law gives you the right to cancel PMI — most homeowners just don't know it. We spell out exactly when your loan qualifies, in plain English.
A game plan, not guesswork
Every step in order: what to do first, what to say, and what to send. Most of the legwork is one phone call and one letter.
Copy. Paste. Cancel.
A word-for-word phone script and a fill-in-the-blanks letter for your lender — add your details and send.
What’s PMI really costing you?
When you’re ready, we can contact your lender to gather your exact details and show you your savings.
Check my details — freeWe use this only to estimate your typical PMI cost — no score needed.
Numbers are illustrative. We confirm your exact PMI cost from your servicer statement before any work begins.
Why PMI Ninja
One job, done for you
We do the boring part
We compile the evidence, file the paperwork, and chase the follow-ups — so you never have to dig through your mortgage.
No refinance, ever
No new loan, no credit check. Your interest rate and mortgage stay exactly the same. We use the cancelation pathway your loan already gives you.
Our guarantee
If we can't cancel your PMI, you pay $0 — ever. You only pay us once it's actually gone from your bill.
Pay us $0 until your PMI is actually gone.
Once removed, pay your same PMI amount to us for 12 months. Then every PMI dollar — for the life of the loan — stays with you. If we can’t remove it, you owe nothing — ever.
See the full breakdownRather do it yourself? Our free DIY kit gives you the whole playbook — no charge, ever.
Months 1–12
Pay your old PMI amount to PMI Ninja
Month 13 onward
You keep all savings
The honest answers.
What is PMI?
PMI is Private Mortgage Insurance — an extra monthly charge most lenders require when you buy a home with less than 20% down. Here's the part nobody tells you: it protects your lender, not you, if you default on your mortgage loan. Once you've built enough equity, you have a legal right to cancel it.
Can I just do this myself?
Yes — and we’ll help you do it, free. Our DIY removal kit has the whole playbook: your legal rights, a phone script, and a ready-to-send cancellation letter. If you’d rather have it handled, we offset your appraisal expense, do the paperwork, and chase your lender for you — and you only pay if it actually works.
Does this work on every kind of mortgage?
We work with conventional mortgages — the bulk of U.S. home loans. FHA loans are a different animal: their mortgage insurance is set by federal rules and usually can't be canceled without refinancing. We'll tell you up front whether your loan qualifies, before any work begins.
What if my lender refuses or delays?
They can't refuse if you meet the legal criteria. The Homeowners Protection Act gives you the right to cancel PMI at 80% loan-to-value and requires automatic termination at 78%. We know the criteria your servicer follows and we don't stop until they confirm cancellation in writing.
What if my home didn't actually appreciate enough?
We will keep your file open until your home equity rises enough to successfully remove your PMI. Any out-of-pocket expenses for the unsuccessful attempt are offset by us as part of the engagement. You only pay our success fee when we successfully cancel your PMI.
How long does it take?
Most cases close in 30–60 days. We manage the details so you can rest easy.
Will this hurt my credit score?
No. We never pull your credit. The whole process happens between us, an appraiser, and your servicer — totally separate from your credit file.
Do I have to refinance?
Absolutely not. No refinance, no new loan, no credit check — your interest rate and mortgage stay exactly the same. Refinancing in a high-rate environment is a terrible trade; we use the cancelation pathway your loan already gives you.
Stop burning
$200 per month
Free to check — takes two minutes to see exactly how much you'll save.