re: Am I entitled to a refund of my PMI?

Thanks for the reply. My understanding during the loan and closing process was that the mortgage company I used (Franklin American Mortgage FWIW) was paying the PMI upfront and then financing all the PMI over my 360 payments, meaning my payment would never go down even once I got below 80% LTV.

I'm planning on speaking with my guy at Franklin American today about it, but want to make sure I have all ammunition ready when we discuss.