Is this normal? PMI is still on my loan

The PMI disclosure you got with your loan shows the first date you can ask to cancel. Rule^1,2

You can ask your lender in writing to cancel it once your balance is scheduled to reach 80% of the home's original value (the lower of the price and the appraisal), with a good payment record; it ends automatically at 78% if you're current on payments (CFPB). Rule¹

Not at 80% yet. Extra payments can bring your 80% request date closer, and PMI must end automatically at 78% if you're current. Rule^1,2

Your payment record. A good payment history means: No payment 60 or more days late in the 12 months that began 24 months before the cancellation date (or your request), and none 30 or more days late in the 12 months before it. Rule^1,3,2

An FHA loan. FHA mortgage insurance follows HUD's rules, not the Homeowners Protection Act. Rule^4,5,6

Lender-paid insurance. If your lender pays for the mortgage insurance, different rules apply; ask your servicer how and when it ends. Rule^1,3,2

• Send a written request to your servicer.
• Be current, with a good payment history.
• Certify there's no second mortgage on the home.
• If asked, show the value hasn't dropped below the original value. Rule^1,3,2,7

Questions for your servicer:

• What are my PMI cancellation date and automatic termination date?
• What proof of value do you need, and who orders it?
• Do your investor's rules let me cancel early based on today's value?
• When will my payment drop, and how is unearned premium refunded? Rule^1,3,2,7