text: As Loan Administration Manager at a lending institution some years back, we would consider (and usually approve) deletion of mortgage insurance IF \na) the customer had a good payment history, \nb)  if he/she paid for a new appraisal -- from the appraiser of OUR choice AND\nc) the loan-to-value ratio (based on the new appraisal) was less than 80%.\nHowever, that was  number of years ago and times may have changed since then.  \nI would recommend that you contact your lender and make such a proposal.  The worst thing that can happen is that they will deny your request.