Rates and Guidelines
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LATEST NEWS AND INFORMATION

Guideline Expansion

We’re simplifying our guidelines which are effective for MI applications received on or after March 30, 2015. Genworth’s rate/term refinance definition has been expanded to include payoff of a seasoned, non-purchase money second lien. See the full announcement for details.

We’ve Expanded our Guidelines

We've simplified and expanded our guidelines effective for MI applications received on or after February 17, 2015. Updates include jumbo loans, Construction to Permanent and investment property. See the full announcement. for details.

Genworth Supports Portfolio Lending

Fannie Mae and Freddie Mac just released announcements regarding 97% LTVs. Genworth fully supports this guideline expansion. Read the full announcement.

There is now another MI benefit – mortgage insurance premiums are once again tax deductible

Mortgage Insurance tax deductibility for 2014 was included along with other tax-related measures passed by Congress in December 2014 as part of the “Tax Increase Prevention Act of 2014.” This passage means homeowners can claim the MI Tax Deduction retroactive to January 1, 2014, allowing eligible borrowers with adjusted gross income of less than $109,000 to deduct the eligible amount of their 2014 mortgage insurance premiums when they file their 2014 taxes.

Learn more

New Loss Mitigation Review Process Grids

Genworth now provides grids to assist you in our Loss Mitigation Review Process. Visit our servicing website to access the grids.

Rate Express has gone mobile!

Our rates and comparisons tool is now available as a mobile app! Download our Rate Express app today from the iTunes store (for iPhone and iPad devices) or Google Play (for Android devices). Free webinar sessions also available (see details in the story below)!

PDF How to Download Our Mobile App (268K)
PDF Rate Express Mobile App Features and Benefits (374K)
PDF Rate Express User Guide (1,728K)
Watch a video about the making of the Rate Express mobile app

New Master Policy and Servicing Guides Updates

The final Master Policy and Servicing Guides are posted. Read the full announcement for details and access the guides on our servicing website or Master Policy Resource Center.

FHFA/GSE MI Eligibility Guidelines Update

The FHFA and GSEs recently made public their draft private mortgage insurance eligibility guidelines. We intend to meet the additional capital requirements for Genworth Mortgage Insurance by the anticipated effective date of June 30, 2015.

Click here to read the full announcement.

Review our 4Q 2014 Delegated MI Decision Tips

Genworth's Risk Quality Assurance team creates this report to help underwriters to submit quality originations. Use it to discover the most frequently made MI decision errors and learn how to avoid them.

Delegated Underwriting MI Decision Tips 4Q 2014

FL Hurricane Assessment Termination

Over the last several years, Florida has required all mortgage insurers to collect an emergency assessment (tax) for the Florida Hurricane Catastrophe Fund. This tax will no longer be collected for FL properties for new commitments with a MI application received date on or after January 1, 2015. Read the full announcement for details.

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