I also wanted to add too that PMI and MI are slightly different! If you have an FHA loan you have "Mortgage Insurance." Mortgage Insurance on FHA loans is provided by the government (HUD) in particular) and is permanent in most cases and cannot be eliminated like PMI can. If you refinance out of your FHA loan into a Conventional loan, you can remove your Mortgage Insurance.
PMI (Private Mortgage Insurance) is associated with conventional loans and can be eliminated by refinancing, paying the loan down to amount equal to 80% of the original purchase price, or by proving that the home has appreciated to the point where the loan-to-value ratio (LTV) is at 75% or less.
@Account Closed assuming the loan to value is over 90% - the FHA mortgage insurance is permanent and will not be able to be eliminated unless you payoff the loan