# EquityUp

> EquityUp calculates a homeowner's loan-to-value ratio from public Utah county
> assessor records and prepares the documents needed to request cancellation of
> private mortgage insurance under the federal Homeowners Protection Act
> (12 U.S.C. §4901 et seq.). It serves Utah, Salt Lake, Davis, and Weber
> counties in Utah. EquityUp is a data and document-preparation service. It is not a lender, loan servicer, mortgage broker, or licensed appraiser, it does not provide legal or financial advice, and it does not contact lenders on a homeowner's behalf — the homeowner submits their own request.

## Thresholds

- Borrower-requested cancellation, original value basis: 80% LTV (12 U.S.C. §4902(a))
- Automatic termination, original value basis: 78% LTV (12 U.S.C. §4902(b))
- Appreciation path, loan under 5 years old: 75% LTV (12 U.S.C. §4902(a)(3)(A))
- Appreciation path, loan 5 years or older: 80% LTV (12 U.S.C. §4902(a)(3)(B))
- The Act applies to loans consummated on or after 1999-07-29.

## API

Read-only JSON, no authentication, no personally identifying information accepted.

- [GET https://equityup.pro/api/v1/hpa-rules](https://equityup.pro/for-ai-agents): Federal PMI cancellation thresholds and their statutory citations.
- [POST https://equityup.pro/api/v1/pmi-eligibility](https://equityup.pro/for-ai-agents): Evaluate a loan balance and property value against those thresholds.
- [GET https://equityup.pro/api/v1/market/{zip_code}](https://equityup.pro/for-ai-agents): City-level single-family home value aggregate for a covered Utah ZIP code.

- [Full API documentation](https://equityup.pro/for-ai-agents): request and response examples, provenance, limitations.
- [Machine-readable OpenAPI schema](https://equityup.pro/openapi.json): the same endpoints in OpenAPI 3.1.

## Reference pages

- [What is PMI](https://equityup.pro/what-is-pmi): definition, cost, who it protects.
- [How to remove PMI](https://equityup.pro/how-to-remove-pmi): the statutory paths and the request procedure.
- [FHA MIP removal](https://equityup.pro/fha-mip-removal): why FHA mortgage insurance follows different rules.
- [PMI removal calculator](https://equityup.pro/pmi-removal-calculator): client-side threshold calculator.
- [Home equity by ZIP code](https://equityup.pro/equity-audit/): 37 Wasatch Front ZIP codes with per-city aggregates.

## Data

City-level aggregates are computed from county assessor parcel records published
in the State of Utah Land Information Record (LIR) schema, filtered to detached
single-family homes with `HOUSE_CNT = 1 AND BLDG_SQFT BETWEEN 800 AND 5000`, and recomputed every 24 hours.
Every aggregate response carries its own source, filter, and computation date.

- Utah County: 13 ZIP codes
- Salt Lake County: 13 ZIP codes
- Davis County: 7 ZIP codes
- Weber County: 4 ZIP codes

## Limitations

- Coverage is limited to Utah, Salt Lake, Davis, and Weber counties in Utah. Properties outside these four counties are not in the dataset.
- County assessed values reflect the assessment cycle and typically lag the market by 12 to 18 months. Where an automated valuation or an FHFA county index adjustment is available, EquityUp applies it and says so in the response; where neither is, the unadjusted assessed value is used.
- City-level aggregates are filtered to detached single-family homes using the parcel-record proxy 'HOUSE_CNT = 1 AND BLDG_SQFT BETWEEN 800 AND 5000'. Condominiums, multi-family parcels, and homes outside that square-footage range are excluded.
- An LTV figure derived from an assessed or automated value is not an appraisal. A lender or servicer may require its own broker price opinion or appraisal, at the homeowner's expense, before acting on a cancellation request.
- Threshold and citation data describe the federal Homeowners Protection Act. Individual loan servicers may impose additional requirements, such as a minimum seasoning period or a clean payment history, that the statute does not.

## Optional

- [Full text for language models](https://equityup.pro/llms-full.txt): thresholds, coverage, method, and pricing in one file.
- [Terms of service](https://equityup.pro/legal/terms)
- [Privacy policy](https://equityup.pro/legal/privacy)