<prompt> Human: I purchased a house 3 years ago for 215,000 and according to Zillow its now worth 295,000.Im very interested in refinancing to dump PMI but am not sure where to start.Id like to turn my 30 year mortgage into a 15 year, hopefully that lowers the rate a bit.I was referred to a real estate agent that will probably take a cut to turn me to a broker who will take another cut. Where should I go to get the most bang for my buck?edit: Im in an FHA loanAssistant: What is your current rate? You may not need to refinance. You may be able to request an appraisal to cancel your PMI. Have you checked your loan docs?Human: 3.49 fixed 30 year. Would I call my lender to see about removing the PMI? Is there a page about PMI removal in my docs? My loan docs look like the New Testament.  <response>: Its FHA. You should edit your post and mention that. They will not remove PMI the way you could do on a non-FHA mortgage. If it was not FHA you can do what this guys said. 