Oh Caaaaaaaaattttttttt....I thought I'd seen you around these boards before... if only you'd read about combo loans before you went and closed on your purrrrr-chase (had to throw in the cat pun!)Bad news... you're stuck for AT LEAST 1 if not 2 years for normal PMI escape.Good news (and a strategy!)1) Call up and read your loan officer at Chase an absolute riot act! Show no mercy... mention his mother!2) Offer peace *IF* he'll immediately refi you into a combo 80-10,3) No COMMISSION! NO ORIGINATION! AT PAR!!!4) Your current appraisal should be fine as it's still fresh... ink hasn't even completely dried.5) Current title report MIGHT still be acceptable... even your current title insurance policy might carry over.6) MIGHT even get the L.O. to sweet talk the escrow company into doing another closing for you at 1/2 price, since they JUST did you.This turkey ought to be able to whip it out quickly, since it's all boilerplate and all your verifications and financials are current and accurate.Whatever small incidental costs come up are better than that PMI."Recommend" this post, and hang it from the highest streetsign so that nobody else gets stuck like this. There is no excuse.Best luck! I wish I could be the guy to help you with your loan... but the Chase people already took your money, go demand their service!!!Luck to you,Dave DonhoffLic. Mortgage Broker
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