MI PRODUCTS

No matter which mortgage insurance product you choose the result is the same—adding mortgage insurance can make a difference in how quickly a mortgage loan is approved, and it can help your borrowers qualify with a minimal down payment. What's more, because mortgage insurance is temporary insurance, a buyer can cancel it after building sufficient equity in the home.

Borrower Paid MI

We offer flexible options for Borrower Paid MI, enabling homebuyers to put little money down on a home... with the simplicity of one loan.

• Monthly Premium MI/Zero Monthly Premium MI
• Single Premium MI
• Level Annual MI
• Split Premium MI

Lender Paid MI

With Lender Paid MI, the lender pays the mortgage insurance premium instead of the borrower. It can be a great choice for borrowers interested in an alternative to combo/piggyback loans or traditional borrower paid MI.

• Monthly Premium MI
• Single Premium MI

OTHER PRODUCTS

Affordable Housing

Low-to-moderate income borrowers often look for the lowest monthly payment on their mortgage loan. At the same time, you may be trying to grow your share of the market—and potentially gain CRA credits. We insure many investor affordable housing programs that help borrowers buy a home sooner.

Pledged Asset Mortgages

In today's tough market conditions, Pledged Asset Mortgages can provide an attractive down payment option for lenders and borrowers alike. We insure mortgages with pledged asset savings in the form of stocks, CDs or cash in lieu of a traditional down payment, The lender determines the forms of acceptable assets and holds the pledged assets in their own account.

Construction to Permanent Loan Program

Our Construction to Permanent Loan Program supports borrowers when they build their new home. It offers financing up to 95% LTV and a commitment period of up to 12 months in order to lock in current MI rates and guidelines. Insurance is in force once construction is completed within the 12 month commitment period, as long as the property value is recertified.