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None. I purchased my current home over two years ago at a guaranteed rate. Shortly after my load was sold to the 5-3rd bank. I have PMI as I put less than 20 % down. I have made substantial improvements to my home, like the kitchen, bathroom, all new flooring, baseboards, crown molding, interior paint and new lawn and irrigation. My home has appreciated over the two-plus years as well as I have spent considerable money on upgrades. I contacted the bank on XX/XX/2022 to see about getting the PMI removed. I have contacted the bank over 20 times online through chat or on the telephone directly, trying to get an appraisal on my home to get a true value for the home and eliminate the PMI charge based on more than 25 % equity. They continue to say I need to fill out a paper again