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MI Products

Generate more business. Save borrowers money at the closing table. Help qualify homebuyers for a larger loan. Whatever your goals, our industry-leading solutions and highly knowledgeable people will ensure success.

Find the perfect MI solution for every borrower. Radian offers a diverse line of products, including options for lender-or borrower-paid premiums. You can offer monthly payments, a one-time upfront premium, or a combination of monthly and upfront premiums, to best suit the borrowers.


Borrower-Paid Monthly Premium Mortgage Insurance

If a borrower has flexibility in their monthly payment budget, Radian monthly MI can 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.


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, Radian single premium MI can 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.

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CustoMIze SplitEdge Mortgage Insurance

CustoMIze SplitEdge® divides the MI premium between an upfront payment and reduced monthly renewals. This option provides you with a range of rates and greater access to upfront and monthly payment choices. Borrowers benefit from:

  • A lower monthly payment versus monthly BPMI
  • The ability to use the excess funds at closing to reduce the monthly MI payment in a way that works best for their budget

*Not available in all states


Lender-Paid Monthly 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.


Lender-Paid Single 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.

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MI Online

MI Online is our web-based platform offering a secure environment that facilitates your MI origination, servicing, and Claims management tasks. By using MI Online to support your MI origination and servicing needs, you can:
  • Obtain a customized rate quote
  • Order MI and Contract Underwriting
  • Obtain copy of the MI Commitment & Certificate of Insurance
  • Activate coverage (monthly deferred only), both individually or in multiples
  • View up-to-date records of Premium payment
  • Access E-Bill
  • Transfer MI servicing
  • Cancel Certificates
  • Change Lender Loan Numbers
  • Submit documents for Underwriting, Early Validation Confident Coverage, Quality Control and Claims
  • Submit Claim requests and view status
  • View and download Initial Explanation of Benefit (EOB) and/or Supplemental EOB
  • Communicate with Radian Customer Care team via live chat and email

Get in Touch

Let us know how we can support your business.