Private mortgage Insurance (PMI) I have on my mortgage loan. My loan is with Freddie Mac?

Is there a way to have this taken off the loan that you know of or am I just screwed until housing prices go back up?

Most PMI are mandatory on loans if I do not put down 20%. I have about 15-18% in the bank and am wondering if I can get around this somehow through closing or other? I am aware of 90/10 type loans but understand that this gets me a much worse interest rate which is not desireable. thanks

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