What qualifies as substantial improvements? (Freddie Mac)

I was declined for pmi deletion on my mortgage of 1.5 years because I didn’t do substantial improvements. Iv spent around 5-6k with improvements around the house during my time in the house . My ltv is 78.6

I need to be at LTV of 75. Pmi can come Off at 80 ltv if I do “substantial improvements” or have the loan for 5 years.

Is there anyway I can argue iv done substantial improvements so the pmi can come off?

submitted by /u/unluckyowl4
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I was declined for pmi deletion on my mortgage of 1.5 years because I didn’t do substantial improvements. Iv spent around 5-6k with improvements around the house during my time in the house . My ltv is 78.6 I need to be at LTV of 75. Pmi can come Off at 80 ltv if I do “substantial improvements” or have the loan for 5 years. Is there anyway I can argue iv done substantial improvements so the pmi can come off? submitted by /u/unluckyowl4 [link] [comments]

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