If you have an FHA loan you are stuck with PMI for 5 years. Unless you refinance in to a conventional loan and either you have atleast 20% equity already or you put money money into the mortgage to bring the LTV to 80% or less.

Best answer is to call your lender.They can (but not always) have their own rules that might make it easy for you.Good luck!Fred GlickU S Loans Mortgage LLC215-852-4469fred@usloans.com