Chase publishes PMI removal guidance, but your path can depend on investor rules, loan ownership, property type, payment history, and valuation requirements.
First check
Chase's public guidance distinguishes automatic termination from situations where PMI removal can be requested. That distinction matters because the evidence required for an early request can be different from the scheduled automatic date.
File prep
Before contacting Chase, collect the current balance, original value, estimated current value, loan number, property address, occupancy, and recent payment history.
If the request relies on current value or property improvements, be ready for Chase to require its own valuation process rather than accepting an informal estimate.
Avoid
A short message that only says 'please remove PMI' can create back-and-forth. A stronger request states that you are requesting PMI cancellation, identifies the loan, and asks Chase to confirm any valuation or investor-specific requirements in writing.
FAQ
Chase states that PMI removal for Chase-owned loans is typically based on an automatic termination date, while some situations allow a removal request.
Yes. Many servicers require a valuation step when PMI removal depends on property value.
Use Chase's current instructions in your account. If you call, still ask for the requirements and next steps in writing.
The fastest way to make the next step concrete is to run the calculator and see whether your LTV, loan type, and PMI amount point toward a cancellation review.
Start the free checkRelated
PMI Removal Calculator
Use the free PMI removal calculator to check your loan-to-value ratio, estimate monthly savings, and see whether a conventional PMI cancellation request may be worth reviewing.
80% LTV PMI Removal Guide
Learn how the 80% loan-to-value threshold works, how it differs from automatic 78% PMI termination, and what to prepare before asking your servicer to remove PMI.