Upfront MIP is usually refunded if you pay off your mortgage within 5 years. Monthly PMI is based upon 78% of your original amount, usually when you reach 78% of the ORIGINAL amount of your mortgage it will stop. Everything is subject to change.
You should talk with your mortgage profession al or a real estate attorney to check and see if this is still valid.
If I can be of further assistance, please feel free to contact me.
Brevard's Best Realty, Inc.