My Mortgage is with US Bank, I have reached 76 % of the original sales value of the loan and they bank refuses to take the PMI off the loan.I have contacted them 3 times. I 'm not asking for a manual removal, instead the automatic removal should 've been done. Also, I have read the original papers i signed at closing and my Mortagage is not a high risk loan. According to them I will require an appraisal I need to pay to get this done. I have read the Homeowners Protection Act and all the documentation. There is nothing regarding this. 
Thanks for your help. 
