Can you explain the current rules and appraisal requirements for private mortgage insurance removal on a conventional loan?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can you explain the current rules and appraisal requirements for private mortgage insurance removal on a conventional loan?
3 real searches · 1 real-search pass
Fannie Mae Servicing Guide borrower initiated cancellation current value PMI 75% 80% seasoning appraisal requirements B-8.1-04Google ↗
OBSERVEDReason
Freddie Mac Seller Servicer Guide borrower requested cancellation current value mortgage insurance 75% 80% appraisal seasoningGoogle ↗
OBSERVEDReason
CFPB PMI cancellation 80 percent original value automatic 78 percent Homeowners Protection ActGoogle ↗
OBSERVEDComparison
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
Fannie Mae Servicing Guide borrower initiated cancellation current value PMI 75% 80% seasoning appraisal requirements B-8.1-04 Google ↗
Freddie Mac Seller Servicer Guide borrower requested cancellation current value mortgage insurance 75% 80% appraisal seasoning Google ↗
CFPB PMI cancellation 80 percent original value automatic 78 percent Homeowners Protection Act Google ↗
- Termination of Conventional Mortgage Insurance · servicing-guide.fanniemae.com
- Servicing Guide · singlefamily.fanniemae.com
- Servicing Guide update 02-18-26 · singlefamily.fanniemae.com
- Escrow, Taxes, Assessments, and Insurance · guide-servicing.fanniemae.com
- At what point can I remove the Private Mortgage Insurance (PMI) from my loan? · helpwithmybank.gov
- Background and Summary of the Homeowners Protection Act · federalreserve.gov
- Loan Lookup Tool · yourhome.fanniemae.com
- Loan Lookup Tool · myhome.freddiemac.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae Servicing Guide borrower initiated cancellation current value PMI 75% 80% seasoning appraisal requirements B-8.1-04 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac Seller Servicer Guide borrower requested cancellation current value mortgage insurance 75% 80% appraisal seasoning OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB PMI cancellation 80 percent original value automatic 78 percent Homeowners Protection Act OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |