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Tag: Homeowners Protection Act

1 article tagged “Homeowners Protection Act”
Mortgage

PMI Cancellation and Termination Is a Date Problem: How an AI Servicing Agent Tracks the Homeowners Protection Act Without Missing the 78 Percent Line

The Homeowners Protection Act runs on dates and percentages a servicer computes from the amortization schedule, not from the current balance. Automatic termination at 78 percent, borrower-requested cancellation at 80 percent, and a final termination at the midpoint that has no LTV test at all. Where servicers miss the line, why the errors are systematic rather than random, and what an AI agent that recomputes the schedule every day actually watches.

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