According to the FHA guidelines, when an FHA Loan is acquired prior to XX/XX/2013, the Mortgage Insurance ( MI ) should be able to be removed if you meet the criteria of 78 % loan to value ( LTV ). I have 90 % LTV but I 'm being told I can not remove the MI until I have had my loan for 5 years. XXXX XXXX does not make the policies for the FHA Mortgage Insurance and are not following the guidelines stated by FHA. 
