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PMI Removal<\/h1>\n

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Cobb County Home Appraiser<\/p>\n

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Since 2001<\/h4>\n

PMI Removal<\/h2>\n

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If you plan on or have already purchased your home with a down payment under 20%, your mortgage carries an additional cost called PMI, or private mortgage insurance. Depending on the price of your home, PMI\u00a0can\u00a0add up to a significant amount pretty quickly.<\/p>\n

If you have more than 20% equity in your home,\u00a0<\/span>you may qualify to have your PMI removed.<\/p>\n

Cobb County Home Appraiser will provide your lender with verifiable proof of your home\u2019s current value,\u00a0so you\u00a0keep more of your money.<\/p>\n

Over 15 million Americans have been able to purchase homes because of mortgage insurance making up for the down payment difference. Homes purchased with a down payment of at least 20% have enough equity to cover any potential losses by the lender, so PMI is not required.<\/p>\n

Under the Homeowner\u2019s Protection Act (HPA) of 1998,\u00a0you have the right to request cancellation of PMI when you pay down your mortgage to the point that it equals 80% of the original purchase price or appraised value of your home at the time the loan was obtained, whichever is less. Under the HPA, mortgage lenders or providers must automatically cancel PMI coverage on most loans once you pay down your mortgage to 78% of the value if you are current on your loan.<\/p>\n

If the loan is delinquent on the date of automatic termination, the lender must terminate the coverage as soon as the loan becomes current. Most lenders require an\u00a0appraisal by a state-certified appraiser as proof of value in order to eliminate private mortgage insurance.<\/p>\n

Carrying\u00a0PMI when it\u2019s no longer needed decreases the money available for other household concerns. Cobb County Home Appraisers offers a specific service for homeowners who have met the 80% loan-to-value metric. For a nominal fee, we will provide you with a detailed statement of your home\u2019s current value.\u00a0Our reports conform to the\u00a0USPAP<\/a>\u00a0guidelines and all federal regulations and standards<\/a>.<\/span><\/p>\n

Ready to\u00a0remove your private mortgage insurance and keep more of your money? Call us today for a free consultation.<\/p>\n

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At the beginning of every month, the average American starts to worry about paying his\/her mortgage payment on their\u00a0property. These payments are made and calculated in various ways; the most popular one being the Private Mortgage Insurance Program. According to this program, an individual looking to buy a home in the country ends up paying less than 20% in down payment; with the promise to give the lender insurance against a default, called PMI.<\/p>\r\n

Don\u2019t you wish that the money that goes towards PMI went straight into your pocket? Most mortgage holders make the mistake of continuing to pay PMI even when they are no longer obligated by law to do so. This means that they are paying for needless insurance premiums and filling the lenders\u2019 pockets even when they do not need a premium on the mortgage loan.<\/p>\r\n

When your home reaches an equity value that is greater than 20% you can stop or should stop paying Private Mortgage Insurance. This is where Cobb County Home Appraiser comes in. Only when a homeowner knows how valuable his house is now as compared to years ago, when it was bought, will he be in a position to stop paying PMI. In order to remove PMI, proof is needed that states the value of the house in question is now 20% equity. The best proof in this regard is a state certified PMI appraisal from Cobb County Home Appraiser.<\/p>\r\n

At Cobb County Home Appraiser, we specialize in helping you rid yourself off unwanted and unneeded Private Mortgage Insurance.<\/p>\r\n

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