These Terms & Conditions ("Terms") govern your access to and use of pmiremovalhelp.com and the services provided by PMI Removal Help ("we," "us," or "our"). By using our website or submitting information through our forms or surveys, you agree to these Terms.
PMI Removal Help provides administrative assistance to help homeowners request cancellation of private mortgage insurance ("PMI") on eligible conventional mortgage loans. We do not refinance loans, modify loan terms, negotiate workouts, or provide legal advice. Approval of PMI removal is determined solely by your mortgage servicer and applicable investor guidelines.
We are not affiliated with any lender, mortgage servicer, investor, or government entity. We cannot guarantee that PMI will be removed, that a valuation will be accepted, or that your servicer will approve your request.
You are responsible for providing accurate and complete information. Eligibility varies by loan, payment history, property type, and servicer requirements. You agree to cooperate reasonably with requests for information or authorization needed to pursue the PMI removal request.
Your mortgage servicer may require written authorization allowing us to communicate on your behalf. If required, you agree to execute the authorization forms we provide. Some servicers may still require your direct participation for certain steps.
Your servicer may require a valuation or appraisal as part of the PMI cancellation process. Requirements vary by servicer. If an appraisal is required, we will explain the process before moving forward.
If we offer appraisal cost coverage, it is subject to eligibility, a cap amount, and any additional conditions communicated to you in writing. We may decline to proceed if the likelihood of success is low or if requirements are unreasonable.
Our standard pricing is a $500 success fee, due only if PMI is confirmed removed by your mortgage servicer. "Success" means that your servicer confirms PMI has been cancelled or removed and your monthly statement reflects that PMI is no longer being charged.
If PMI is not removed, you do not owe the success fee. You remain responsible for any third party costs not explicitly covered by us in writing.
By providing your phone number and email address and checking the consent box on our form or survey, you authorize us to contact you about your PMI request and related next steps using SMS text messages and email. Message and data rates may apply. Message frequency varies. You can opt out of SMS at any time by replying STOP. For help, reply HELP.
Consent is not a condition of purchase. You may still request information by contacting us directly using the contact information below.
You agree not to misuse the website or services, including by:
The website and services are provided on an "as is" and "as available" basis. We disclaim all warranties to the fullest extent permitted by law, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
To the fullest extent permitted by law, PMI Removal Help will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, arising out of or related to your use of the website or services. Our total liability for any claim will not exceed the amount you paid us, if any, for the services related to that claim.
These Terms are governed by the laws of Illinois, without regard to conflict of law principles. Any dispute will be brought in the state or federal courts located in McHenry County, Illinois, unless the parties agree otherwise.
We may update these Terms from time to time. The "Last Updated" date reflects the most recent revision. Your continued use of the website after changes means you accept the updated Terms.
PMI Removal Help
Email: [email protected]
Phone: 815-355-0582
Address: 9412 Ballard Rd, Crystal Lake, IL 60014
These Terms are general templates and may not cover every legal requirement for every jurisdiction or marketing channel. Consider legal review, especially if expanding nationwide.