My home has reached loan to value 2 years ago, so PMI, MIP should n't apply to me. Wells Fargo says the insurer says I owe PMI for the entirety of the loan. I have an FHA 30 year fixed with 17 years left on the loan. I think they are lying and want me to keep paying the XXXX bucks a month. loan originated in 2002 so the new PMI law does n't apply. What recourse do I have? Regards. 
