I believe you are referring to dropping off your mortgage insurance. Is that correct? If that is the case, and you completed your FHA loan after January of 2013, you will need to refinance your loan into a conventional loan. To avoid any mortgage insurance moving forward, you need to have 20% of equity in your home. Example, if you owe $200,000 your home must appraise for $250,000 or more. You must meet all the credit and income requirements for conventional financing. What state are you looking to complete the refinance? Please reach out to Mike Gracz on 630-659-7644 or email me at firstname.lastname@example.org to discuss further.