I realize many lenders are letting borrowers use a BPO or CMA to removal PMI, but I still get quite a bit of normal PMI removal business. I'm thinking of subscribing to another data source that includes information on the initial loan to value ratio of all of the buyers in whatever county. This would allow me to precisely target homeowners who should be near 80% LTV. Is this a dying part of our business or does it still seem viable? Also, is there some sort of Fannie requirement for seasoning of a loan? I know some individual lender requirements require a few years before PMI removal can take place but was wondering if that was just a lender requirement.