MI Origination

At Radian Guaranty, we empower mortgage originators to confidently serve more homebuyers through our comprehensive mortgage insurance solutions.

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Neighborhood houses

Radian MI support your origination strategy

Radian Guaranty's mortgage insurance solutions offer flexible options that can accommodate various borrower profiles and loan scenarios, enabling you to expand your lending capabilities without compromising your risk standards.

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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Committed Support

Experienced account and service representatives who understand your unique market challenges

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Innovative Solutions

Continuously evolving products designed to address emerging market needs

MI Products

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 Premium
  • Borrower-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 Premium
  • CustoMIze SplitEdge Premium Mortgage Insurance

    CustoMIze 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.

    Learn more about CustoMIze SplitEdge Premium
  • 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 Premium
  • Lender-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
MI Programs

We've got you covered, no matter the situation

Radian’s MI programs help address the unique needs of different market segments and business models. These programs reflect our commitment to serving the entire housing finance ecosystem, from community banks to national lenders, with solutions that recognize their distinctive challenges and goals.
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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 FICO score of 620, 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 Guide

Medical 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

Fannie Mae and Freddie Mac offer a variety of coverage options. The coverage table details the standard coverage requirements. There may be more coverage offerings. Be sure to consult your automated underwriting system response and program descriptions.

Determination of eligibility for a particular program or exemption is made by the relevant authority and not by Radian Guaranty Inc.

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Master Policy

The foundation of our commitment to you

Radian Guaranty's Master Policy establishes the terms and conditions of our mortgage insurance coverage, clearly defining our obligations to policyholders and setting expectations for all parties. The Master Policy and its accompanying servicing guides embody our commitment to transparency and fairness in all of our business relationships.
View Master PolicyApply for a Master Policy, Delegated Authority, and Early Validation Confident Coverage
MI Origination & Servicing Guides

Comprehensive guidance for loan origination

Our MI origination guides provide detailed instructions for loan origination. These resources outline procedures to provide clarity throughout the MI origination lifecycle.

Origination & Servicing Guide

For Radian Master Policies #RAF483 and #RAF700

Download Guide

Legacy Origination & Servicing Guide

For Radian Master Policy #RAF1040

Download Guide
Underwriting

The experience you need, the confidence you deserve

Radian Guaranty's underwriting approach combines decades of experience with forward-looking analytics to deliver consistent, reliable decisions. Our balanced methodology helps you confidently serve more borrowers while maintaining appropriate risk standards.

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

Our underwriting resources include interactive decision tools, comprehensive guidelines, and direct access to underwriting professionals who can help navigate complex scenarios. This multi-layered support helps you confidently make informed lending decisions across diverse borrower profiles and market conditions.
View Historical Guidelines
  • Clear, consistent standards
    Align with industry best practices while incorporating our unique risk insights and market perspectives
  • Regular updates
    Reflecting market conditions and risk insights, with transparent communication about changes and their rationale
  • Calculators & 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
Rates

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.

Run a Rate QuoteOrder MI Now through MI Online

Access our tools

Our rates are continuously refined based on market conditions, performance data, and lender feedback. This dynamic approach enhances our offerings’ relevancy and competitiveness while maintaining the stability you expect from a trusted MI provider.
  • MI Quote
    Generate instant quotes for any loan scenario. Compare multiple options to identify solutions for each borrower's unique situation.
    Run a Rate Quote
  • Archived Rates
    Access historical information for reference when working with loans originated under previous versions of our rate structures.
    View Archived Rates
Updates & Alerts

Stay informed with Radian Guaranty

As an originator staying on top of current guidelines, procedures and systems can be very important. You can receive timely announcements of policy and procedural changes with clear effective dates and implementation guidance to facilitate smooth transitions.
View Updates & Alerts

 

“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.