<prompt> Human: I recently purchased a home late last year, and financed over 80 of the purchase price more or less 96. In the 5 months Ive had the home, Ive done MANY improvements that I feel would increase the value of the home. New windows, landscaping, painting, remodeling, floors, etc. I want the PMI dropped off my loan, so I was curious if anyone had any advice? I was considering having the home reappraised, and presenting that to the bank. Does anyone know how one would go about this?  <response>: Read the small print of your mortgage. My loan specifies that they will not accept a new appraisal unless I have paid down to 80 loan to value of the original loan and it will automatically drop off at 78. You may have to refinance to remove PMI. 