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Tip for homeowners who bought at the bottom of the market.
Tip for homeowners that bought during the bottom of the market.  Check your loan documents. If you are paying PMI (Private Mortgage Insurance) and your loan allows you the ability to drop it when you reach 80%, the loan value of your home may have appreciated enough to do that.  Check with your lender on the process. You most likely will have to pay a few hundred dollars for a new appraisal to see if you have reached 20% equity.  If you have, your monthly savings will pay for the cost of the appraisal in just a few months.  You will enjoy the huge monthly savings for the remainder of the loan or even better just keep paying the same amount and end up with your home paid off much faster!
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