Rate GPS^SM (Granular Pricing System) is a risk-based pricing system that uses risk intelligence to deliver very competitive rates for borrowers based on individual loan characteristics. It’s a more granular way of pricing based on multiple factors related to a borrower’s situation and helps lenders gain more business from well-qualified homebuyers.

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Learn more about Rate GPS
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Click here for the Flyer, FAQ and User Guide:

• Rate GPS Flyer
• Rate GPS FAQ
• Rate GPS User Guide

Traditional Rate Cards

• Monthly Advantage Premium, Borrower-Paid/Lender-Paid Monthly Premium – Effective 7.16.2018 *

• Single Premium: Borrower-Paid Non-Refundable (Fixed) – Effective 10.23.2017
• Single Premium: Borrower-Paid Non-Refundable (Non-Fixed) – Effective 10.23.2017
• Single Premium: Borrower-Paid Refundable (Fixed) – Updated 12.21.2017
• Single Premium: Borrower-Paid Refundable (Non-Fixed) – Updated 12.21.2017

• • Single Premium: Lender-Paid Non-Refundable (Fixed) – Effective 1.26.2019 *
  • Single Premium: Lender-Paid Non-Refundable (Non-Fixed) – Effective 1.26.2019 *

* Use subject to state approvals and eligibility requirements

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• Bulletins
• AXIS Resources
• TRID Resources
• PMIERs Resources
• Technology Partners
• Millennial Resources
• Rent vs. Buy Calculator
• Loan Limit Locator Tool
• Loan Officers’ Resources
• MI U – Training Resources
• The HOME FRONT – Homebuyer’s Guide
• National MI Economic Market Snapshot
• Podcasts
• Why National MI [Video]
• National MI presents: Mortgage Insurance (MI) Fundamentals [Video]
• National MI presents: 4 Common Mistakes Borrowers Should Avoid [Video]

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• Refundable Single Premiums – 5 year Refund Schedule [PDF]
• All Borrower Paid Single Premiums – HoPA Refund Schedule [PDF]

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• Full Underwriting Guidelines Manual [PDF]
• Key Underwriting Matrices [PDF]
• Non-AUS Jumbo Loans Matrix [PDF]
• Construction to Perm Guidelines [PDF]
• AUS Affordable Lending Guidelines [PDF]
• Affordable Lending Programs / HFA
• 97% LTV Expansion

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• Full Underwriting Guidelines Manual – TrueGuide 1.0 Effective 2013-04-03 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 1.1 Effective 2013-04-22 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 1.2 Effective 2013-05-03 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 1.3 Effective 2013-06-01 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 1.4 Effective 2013-09-15 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 1.5 Effective 2014-01-27 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 1.6 Effective 2014-03-17 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 1.7 Effective 2014-05-05 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 1.8 Effective 2017-09-15 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 1.9 Effective 2015-03-23 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 2.0 Effective 2015-05-11 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 2.1 Effective 2015-07-20 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 2.2 Effective 2015-08-27 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 2.3 Effective 2015-12-07 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 2.4 Effective 2016-04-04 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 2.5 Effective 2016-08-22 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 2.6 Effective 2016-11-07 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 2.7 Effective 2016-12-10 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 2.8 Effective 2017-05-15 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 2.9 Effective 2017-07-01 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 3.0 Effective 2017-08-22 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 3.1 Effective 2017-08-28 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 3.2 Effective 2017-11-06 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 3.3 Effective 2017-12-21 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 3.4 Effective 2018-01-24 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 3.5 Effective 2018-03-24 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 3.6 Effective 2018-07-06 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 3.8 Effective 2019-01-01 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 3.9 Effective 2019-08-09 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 4.0 Effective 2020-01-01 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 4.1 Effective 2020-03-01 [PDF]
• Full Underwriting Guidelines Manual – TrueGuide 4.2 Effective 2020-07-10 [PDF]

• Master Policy [PDF]
• Master Policy Resources
• MI Application [PDF]

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• Servicing Transfer Form [PDF]
• Policy Servicing Reference [PDF]
• Reinstatement Request Form [PDF]
• Refundable Single Premiums – 5 year Refund Schedule [PDF]
• All Borrower Paid Single Premiums – HoPA Refund Schedule [PDF]
• Servicing Guide [PDF]

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• Non-Delegated Required Documents List [PDF]
  
• Non-Delegated Resources
• Delegated Required Documents List and Resources [PDF]

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• Sales Advisor Online Locator 

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