Private Mortgage Insurance (PMI) is an extra cost added to your monthly mortgage when you purchased your home with less than 20% down. It protects the lender, not the homeowner, and can add hundreds of dollars to your payment every month. The good news is that once you’ve built up enough equity in your home, you may qualify to have PMI removed.

Lenders typically require a professional appraisal to confirm that your home’s value has increased enough to reduce your loan-to-value ratio below 80%. A certified appraisal provides the evidence your lender needs to approve PMI cancellation. At California Home Appraisals, we deliver clear, accurate valuations so you can confidently move forward with your request.

Eliminating PMI can significantly lower your monthly housing costs—sometimes by hundreds of dollars per month. Over the life of your loan, this adds up to thousands of dollars saved. By investing in an appraisal now, you may be able to unlock long-term financial benefits and put more money back in your pocket each month.

With over 20 years of experience and thousands of appraisals completed in the Sacramento region, our team understands what lenders require and how to deliver reports that meet their standards. We specialize in clear communication, quick turn times, and reliable results—making the PMI removal process smoother for homeowners.