Restoring confidence in the mortgage insurance industry
National MI was built to serve the lending community, the housing industry, and ultimately, our residential communities by helping more people realize the dream of responsible home ownership and restoring confidence in the private mortgage insurance industry.
Capacity and Strength
From building a solid financial position with no legacy risk, to our capacity to insure your new business, National MI has financial strength and stability. The company evolved out of the ashes of a recession, assembling industry experts, innovative products and systems fostered by a straightforward approach, ensuring confidence in the loans that are placed with us.
Financially Strong – Investment-grade rated company with a low risk to capital ratio and complies with Private Mortgage Insurer Eligibility Rules (PMIERs) effective December 31, 2015
Built to Pay Claims
Because we have no legacy business portfolio, National MI has no intention to investigate loans and potentially rescind or deny coverage. We are willing and able to pay claims. With National MI SafeGuard®, rescission relief is provided after the borrower makes 12 consecutive, timely payments. We have not engaged in any subversive tactics to rescind coverage and will do the right thing for our customers.
National MI Certificate Distinction
Focused on Your Production Needs |
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Trusted Partnership |
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Facilitating Home Ownership |
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Solely forward-focused and poised to write new business
National MI seeks to restore confidence in the private mortgage insurance industry.
Credibility – National MI SafeGuard®: Certainty of Coverage After 12 Months
Our Unique Differentiators | Benefits To Our Clients | ||
Shorter Path to Coverage Certainty in 12 Months | |||
Transparency of Coverage |
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Willing and Able to Pay Claims
We are well-capitalized and will be there to pay your claims. With National MI SafeGuard® coverage, your claim will not be rescinded or denied provided that the borrower makes just 12 consecutive, timely payments.
1Reflects 12 months of consecutive, timely borrower payments (from borrower’s own funds).
2Please refer to National MI’s Master Policy for additional coverage details.
Agility – National MI TrueInsight: Underwriting Approach
Our Unique Differentiators | Benefits To Our Clients | ||
An Innovative Underwriting Approach | |||
Non-Delegated and Delegated: Same Pricing, Guidelines and Coverage | Delegated Assurance Review:
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- Same pricing and guidelines for Non-Delegated and Delegated Channels.
- Gain the confidence of a second set of eyes with ATR Confidence.
- Stay ahead of the curve with our Delegated Assurance Review. Allows upfront quality controls in the loan manufacturing process.
- Added benefits including Sensible ServicingSM and Priority Underwrite®.
Simplicity – National MI TrueGuide®: Straightforward Guidelines
Our Unique Differentiators | Benefits To Our Clients | ||
Maximize Business Efficiencies | |||
Flexible and Straightforward |
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- Grow loan volume with National MI’s Fannie Mae DU/Freddie Mac Loan Product Advisor℠ Jumbo Loans Program.
- Get more savings and purchasing power with National MI. A better alternative to FHA.
Ask your Sales Advisor about how you can start taking advantage of our special programs today.
Reliability – National MI AXIS: Advanced Exchange & Information System
Our Unique Differentiators | Benefits To Our Clients | ||
Advanced Online MI Platform | |||
Transactional Ease of Use |
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Please refer to National MI’s Underwriting Guideline Manual and Master Policy for a complete description of policies and requirements.