Requirements to remove PMI?My wife and I purchased a home last August using a conventional loan. We live here and this is not as an investment. We're currently at 88% LTV. The loan is with Fannie Mae and is serviced by Wells Fargo. I've contacted Wells Fargo a few times this year regarding the requirements for removal of the PMI. I've received different answers at different times when posing the same two questions to different customer service representatives. The problem is, I've had contradictory information regarding:1) Whether or not we must wait 24 months before requesting removal of PMI2) If the appraised value must consist of exclusively being home improvements and how market value appreciation factors into thisOne agent told me home improvement and market value appreciation could be combined (which the appraisal of course would factor in). Another told me it has to be from home improvements exclusively. While we've done some improvements to the home over the last year, it wouldn't be enough to reach 75% LTV (we'd have enough with market value). Once again, I had one representative tell me I must wait two years, while others (I've made a total of three calls, all different information) told me there is no 24 month waiting period. I received the PMI removal requirements in a letter from Wells Fargo and I took a picture of the front page with the requirements:I don't want to pay for an appraisal and learn later on that we possibly didn't meet requirements because of a lack of 24 months of payment history and/or the appraisal value and how much of it is because of home improvements. Any advice here is greatly appreciated. September 12 2013 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.