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None. I would like to request you look into NationStar LLC dba Mr. Cooper 's policy of cancelling private mortgage insurance. Even when there is no penalty for paying ahead on a mortgage they refuse to cancel the premium mortgage insurance until the scheduled amortization rate where it reaches 78 %. Don't they have to automatically cancel it when that LTV is reached, regardless of when? Instead they say on their website that you can not move up the date at all without a request and an appraisal. And not just for 80 % but the 78 %. Aren't they legally obligated to cancel the pmi as soon as 78 % LTT is reached regardless of it is earlier than scheduled with the length of the loan? There is no penalty on my mortgage for paying ahead so why should we have to pay for an appraisal even whe