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Stressing a bit
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<blockquote data-quote="AnnieO" data-source="post: 462189" data-attributes="member: 6705"><p>Ahhhh... You put down 25%, meaning PMI would not be <em>required</em>.</p><p></p><p>Which means it would have been voluntary, and very well could be something totally separate. </p><p></p><p>As for it not being in effect anymore... I'm not sure about that. It could mean that enough is paid on the house, that they no longer consider you a foreclosure risk. I suspect it would depend on the individual policy. What that was, is that it is no longer <em>required</em> for the mortgage... </p><p></p><p>If it was <em>during</em> the mortgage process that you made a big deal about it - the bank has something on file. HOWEVER... Due to the law I mentioned, they were not able to automatically collect as part of the mortgage payment, unless you or husband specifically told them to. </p><p></p><p>I'm thinking, though, that there's <em>something</em>, because clearly you <em>do</em> remember it, and I cannot imagine that being something you would just create as a false memory. More likely that you would <em>forget</em> than that.</p><p></p><p><img src="/community/styles/default/xenforo/smilies/emoticons/hugs.gif" class="smilie" loading="lazy" alt=":hugs:" title="hugs :hugs:" data-shortname=":hugs:" /></p></blockquote><p></p>
[QUOTE="AnnieO, post: 462189, member: 6705"] Ahhhh... You put down 25%, meaning PMI would not be [I]required[/I]. Which means it would have been voluntary, and very well could be something totally separate. As for it not being in effect anymore... I'm not sure about that. It could mean that enough is paid on the house, that they no longer consider you a foreclosure risk. I suspect it would depend on the individual policy. What that was, is that it is no longer [I]required[/I] for the mortgage... If it was [I]during[/I] the mortgage process that you made a big deal about it - the bank has something on file. HOWEVER... Due to the law I mentioned, they were not able to automatically collect as part of the mortgage payment, unless you or husband specifically told them to. I'm thinking, though, that there's [I]something[/I], because clearly you [I]do[/I] remember it, and I cannot imagine that being something you would just create as a false memory. More likely that you would [I]forget[/I] than that. :hugs: [/QUOTE]
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