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I bought house few years back - need to get rid of PMI.

Details: I am about 89% into the loan. The payment to get to 78% isn't feasible at this time. They allow appraisal to get PMI dropped, however it has to be valued at 20% more than the original loan value.

The county I live in recently sent us appraisal papers, and they listed our house literally $1K less than the 20% above loan value that is needed. Retail sites like Zillow, Redfin, etc..., continuously list well over 40% Loan to Value.

Questions:

What are some tips and tricks, if there are even any? I've searched and most sites/blogs say that going ultra-cleaning and whatever doesn't really help as they're about functionality, longevity, and amenities, not to mention location and local values instead of how well the floors shine.

I guess other than finishing up any projects I have, like replacing trim, at least one of the toilets (it works, just sucks at working right and is a child's size), doors/paint, and that sort of thing, is there anything else?

Cheers.

I bought house few years back - need to get rid of PMI. Details: I am about 89% into the loan. The payment to get to 78% isn't feasible at this time. They allow appraisal to get PMI dropped, however it has to be valued at 20% more than the original loan value. The county I live in recently sent us appraisal papers, and they listed our house literally $1K less than the 20% above loan value that is needed. Retail sites like Zillow, Redfin, etc..., continuously list well over 40% Loan to Value. Questions: What are some tips and tricks, if there are even any? I've searched and most sites/blogs say that going ultra-cleaning and whatever doesn't really help as they're about functionality, longevity, and amenities, not to mention location and local values instead of how well the floors shine. I guess other than finishing up any projects I have, like replacing trim, at least one of the toilets (it works, just sucks at working right and is a child's size), doors/paint, and that sort of thing, is there anything else? Cheers.

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[–] • 2 pts

Be there when appraiser comes make your intentions known but don’t be pushy Look up recent comparative sales this is 90% of what they look at Sounds like you’re going to be very close pay down the difference