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I have a FHA loan at 72 percet LTV, now at 12 years old. Mortgage company will not remove loan.

Will not remove Loan MIP
Home not condo or rehab
LTV 72%
12 years old.
No 30 day late payments. (company says I can have no late payments, but I don't see this requirement , only no 30 day lates for early pay down)
I owe some late fees, but again I see no requirements for these on any other than early pay down. If necessary, please point me to appropriate letter.
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August 05 2012 - US
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