re: Is it worth accelerating mortgage payment to avoid PMI?

I tried doing that but Wells Fargo said no. House appraises for $315,000 based on comps(haven't paid to get an actual appraisal) and owe 243,000. Upgrades were $3000 worth of fence and $1100 on tile for back porch, they said those upgrades did not qualify. Paid $267,000 for the house and did $9000 in cash upgrades because builder requested all upgrades in cash.