Mortgage — PENNYMAC LOAN SERVICES, LLC. (TX)

None. I obtained an FHA loan in XXXX. My LTV reached 78 % in XXXX of XXXX. According to the homeowners protection act, my PMI was supposed to be automatically removed. My current LTV is 70.6 %. I have paid PMI for 47 months after it was supposed to be automatically removed, and as such I am owed thousands of dollars by my Mortgage Company Penny Mac USA.