MI Origination
At Radian Guaranty, we empower mortgage originators to confidently serve more homebuyers through our comprehensive mortgage insurance solutions.
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Radian MI support your origination strategy
Financial Strength
Radian Group’s impeccable ratings and strong balance sheet provide the reliability you need in any market environment
Technology Integration
Seamless connections to leading LOS and pricing engines for efficient workflows
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Experienced account and service representatives who understand your unique market challenges
Find Your Account ManagerInnovative Solutions
Continuously evolving products designed to address emerging market needs
Comprehensive solutions for today's lending challenges
Radian Guaranty offers a diverse range of mortgage insurance products designed to meet the needs of various borrower segments and loan scenarios. Our flexible coverage options help you maximize origination opportunities while managing risk effectively.
Our product development process combines rigorous risk analysis with practical lender insights, resulting in MI solutions that address real-world challenges while maintaining sound underwriting standards.
Borrower-Paid Monthly Premium Mortgage Insurance
If a borrower has flexibility in their monthly payment budget, monthly MI may help them afford their dream home sooner by letting them buy with as little as 3% down. Premiums are required to be remitted monthly to maintain coverage.Learn more about BP Monthly PremiumBorrower-Paid Single Premium Mortgage Insurance
If a borrower has some assets (just not enough for 20% down), but doesn’t have much flexibility with their monthly principal, interest, taxes and insurance (PITI) budget, single premium MI may be a great option. A single premium is an upfront payment which provides the required coverage until the loan reaches 78% LTV. This amount can be paid at closing or financed into the loan.Learn more about BP Single PremiumCustoMIze SplitEdge Premium Mortgage Insurance
Learn more about CustoMIze SplitEdge PremiumCustoMIze SplitEdge® divides the MI premium between an upfront payment and reduced monthly renewals. This option helps provide a range of rates and greater access to upfront and monthly payment choices. Borrowers may benefit from a lower monthly payment versus monthly BPMI and the ability to use the excess funds at closing to reduce the monthly MI payment in a way that works for their budget.*
*Not available in all states or in all situations. Other restrictions may apply.
Lender-Paid Monthly Premium Mortgage Insurance
With lender-paid MI, the MI premium is paid by the lender, who typically passes the cost on to the borrower through a higher interest rate or origination fee. Non-refundable premium payments are required to be remitted monthly to maintain coverage.Learn more about LP Monthly PremiumLender-Paid Single Premium Mortgage Insurance
The lender pays the MI premium on behalf of the borrower; the lender then charges the borrower a higher interest rate or origination fee. The premium is a single upfront payment to provide coverage for the life of the loan. This payment is non-refundable.Learn more about LP Single Premium
We've got you covered, no matter the situation
Construction-to-Permanent MI
With Radian Guaranty's Construction-to-Permanent Commitment, we’ll honor guideline and pricing information for one full year while a home is being constructed. This can be offered to your clients who have a home under construction, or even before they break ground.
ONE Underwrite
With One Underwrite and a minimum credit score of 600, a loan may be eligible for Radian Guaranty MI as long as it’s been accepted by Fannie Mae’s Desktop Underwriter or Freddie Mac’s Loan Product Advisor.
Confident Coverage®
Radian Guaranty's rescission relief program, Confident Coverage, helps provide increased peace of mind for both delegated and non-delegated submissions. Please see our origination & servicing guide for more information.
View Origination GuideMedical Professional Program
Radian Guaranty's Medical Professional Program provides specialized eligibility for coverage on loan amounts up to $2,000,000. This program is available to actively practicing medical doctors (MD, DO, DPM, DC), dentist or dental surgeons (DDS, DMD), veterinarians (DVM), physician assistants, medical teaching professors, nurse practitioners (NP), registered nurses (RN), nurse sub-specialists, attorneys, certified public accountants (CPA), medical residents, or newly licensed medical, dentists or dental students who are about to begin their new employment/residency within 90 days of closing.
Loan Amounts > FHFA Maximum Limits
Maximize your impact. Our MI programs for loans above FHFA maximum limits help lenders offer financing to customers seeking higher loan amounts up to $2,000,000.
Mortgage Insurance Coverage Options
Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Guaranty Inc.
Master Policy
The foundation of our commitment to you
Comprehensive guidance for loan origination
Origination & Servicing Guide
For Radian Master Policies #RAF483 and #RAF700
Legacy Origination & Servicing Guide
For Radian Master Policy #RAF1040
The experience you need, the confidence you deserve
Delegated Underwriting
Maintain control of the underwriting process with our delegated authority program. Regular performance reviews and feedback loops help maintain alignment while preserving your autonomy and efficiency.
Non-Delegated Underwriting
Leverage our experienced underwriters to evaluate loan files, providing an additional layer of quality control and risk assessment before closing.
Underwriting Guidelines
Clear, consistent standards
Align with industry best practices while incorporating our unique risk insights and market perspectivesRegular updates
Reflecting market conditions and risk insights, with transparent communication about changes and their rationaleCalculators & Resources
Leverage our suite of tools designed to optimize your workflow and allow you to focus on what matters most—serving your clients and growing your business.Learn more
Act with confidence in today's market
Radian Guaranty's competitive rates help serve diverse borrower needs while maintaining appropriate risk standards. Our transparent approach helps you quickly determine eligibility and pricing for many loan scenarios. Our intuitive tools and resources make it easy to access the information you need when evaluating loans for mortgage insurance.
Our pricing models incorporate a sophisticated array of risk factors while remaining straightforward to navigate, providing enhanced predictability. This combination of precision and clarity exemplifies our commitment to being both supportive and a business-friendly MI provider.
Access our tools
MI Quote
Generate instant quotes for any loan scenario. Compare multiple options to identify solutions for each borrower's unique situation.Run a Rate QuoteArchived Rates
Access historical information for reference when working with loans originated under previous versions of our rate structures.View Archived Rates
Stay informed with Radian Guaranty
“Radian” is a brand of Radian Group Inc., including its licensed insurance affiliates. Mortgage insurance is provided and underwritten by Radian Guaranty Inc., a wholly owned subsidiary of Radian Group Inc. with home offices at 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Radian Guaranty Inc. is a monoline mortgage insurance company licensed to write business in all 50 states, the District of Columbia and Guam.