<prompt> Human: We bought our home just over 2 years ago at the beginning of what has become one of the hottest sellers markets in the country. We paid 160,000 and put down just 8 so we needed PMI on our mortgage. Ive made a few extra payments and our home value has theoretically jumped significantly, so I asked our lender about our PMI. In their response they stated the date its currently set to expire about 4 years from how and that if we chose, we could have our house re-appraised, and if the appraisal came back at a value of 192,600 or greater, then that would be sufficient to cancel the PMI. Zillow has the Zestimate of our property at 207,000. Are they generally pretty close? Do you guys think its safe to spend the 500 on the appraisal at this time to save that 90 a month PMI, or should I wait until it is nearly ensured that my appraisal would hit their minimum?  <response>: Earlier this year, I had my house appraised to remove PMI. Zillow had it listed at the time at about 435k. Appraisal came back at 407k. Fortunately, PMI was still removed I owed less than 300k. 