With improvements I have done to my home, and the increase in home prices. I believe that my amount owed compared the value is around the 78% loan to value ratio. This should make me eligible to have my PMI Insurance removed. I need to know who to speak to about this? I have tried calling your customer service number, and spoke with several representatives about this. They we not able to send me to the correct area, please let me know how to proceed with this. Who to contact etc. Loan # 013013**** Thanks Scott Bishop