For some loans, private-mortgage insurance cannot be removed unless you refinance or pay off the loan. In other cases, mortgage insurance can be canceled when the loan-to-value (LTV) ratio reaches a certain percentage. To find out if mortgage insurance can be removed from your loan, please contact us using one of the methods below. Mail to SouthPoint Home Mortgage, P.O. Box 406, Sleepy Eye, MN 56085 Call us at 877-636-5346