newbie question about how to remove pmi and get heloc.we have owned our home for about 4 years now. this is our only house, mortgage is held by freddy mac, servicing company is qrl. the county recently reappraised our house for the next tax year and thinks the value has gone up enough to give me over 20% equity. i called the loan servicing company to ask about dropping pmi. they say they wont go by the county estimate. they want me to pay them to send an appraiser out.im also considering looking into getting a heloc just to have open as an emergency fund.. which would need another appraisal. im wondering if there is a way to somehow do both of these things and only pay for one appraisal. at over 500$ that would be a lot of money for me to pay twice.also, would there be some kind of conflict there?

They would keep it on their books because Fannie Mae or Freddie Mac will not guarantee it for one reason or anotherA portfolio loan is a loan that encompasses multiple properties. 

IBR loans are treated differently by each loan type and differently between Fannie Mae & Freddie Mac guidelines.  

A hot tub is a great idea, just be careful about locking down the controls and get a remote device connected so if you're away you can adjust it. 

They can be standalone, but you'd want to have something that communicates through the internet to your mobile device. 

FHA require 3.5% Downpayment and Freddie Mac HomePossible allows 5% Downpayment as long as your income (including the net rental) is below your county median.

I’m interested in the same solution to open the door for prospective tenants without being there and without depending on an agent.Do you know any company that does these bluetooth devices? 

Does not include Freddie Mac, VA or jumbo loans. 

I’m not in any of the areas listed, but I can help answer a few of your questions. 1- Find out which agent handles the Freddie Mac/Fannie Mae/HUD foreclosures in the given area.

So if you are receiving a Fannie Mae or Freddie Mac loan (if you recognize those names) then THAT'S the loan types that have the "10 loan limit".