### Comment:
I believe they have to drop it when you hit 20% LTV based on your purchase price.  If you see it on there after that, call them (no appraisal should be necessary).

### REPLY:
[You are able to ask them in writing to drop the PMI once you hit 20%, but they aren't required to drop it until you have 22% equity.](https://www.nerdwallet.com/blog/mortgages/how-to-cancel-private-mortgage-insurance-2/) 
  
 Edit: nvm

### END.