<prompt> Human: My purchase price was about 400k with 5 down at 4 interest and monthly PMI. Zillow has a zestimate of just under 500k. How can I tell if this number is accurate or not? Ive been waiting to waive PMI but didnt expect my house to appreciate that quickly.Should I just attempt to waive PMI or would it also be worthwhile to refinance to a lower rate?Edit: mortgage is conventional, 30 year.  <response>: Zillows estimates are extremely unreliable. I would take with several grains of salt. Contact your mortgage company and they will tell you the steps you need to take to eliminate the PMI. 