Yes my bust I meant 75% loan to value. I suspect if prices keep going up I will be @ 80% in a few months, however it might take another year to be @ 75% or we could go into another dip before then. I suspect my gut feeling is I will refi into a 15 year just to get rid of the PMI, not with US bank however. Or if I feel real nasty I will push them to honor their contract with me.
