MI Origination
At Radian Guaranty, we empower mortgage originators to confidently serve more homebuyers through our comprehensive mortgage insurance products and solutions.
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Supporting your origination strategy
Radian Guaranty's mortgage insurance solutions are designed to offer flexible options that can help accommodate various borrower profiles and loan scenarios, enabling you to expand your lending capabilities while supporting your risk management approach.
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Providing the reliability you need in any market environment
Technology Integration
Seamless connections to leading LOS and pricing engines
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Radian Guaranty Mortgage Insurance Products
Flexible mortgage insurance options designed to support diverse scenarios and lending needs.
| MI Product | Benefit | More Details |
|---|---|---|
| Borrower-Paid Monthly Premium Mortgage Insurance | Monthly MI premiums paid by the borrower to maintain coverage | Learn more |
| Borrower-Paid Single Premium Mortgage Insurance | A single upfront premium that can provide required coverage until the MI is eligible for cancellation or automatic termination. | Learn more |
| CustoMIze SplitEdge® Premium Mortgage Insurance* | MI coverage that combines an upfront premium with reduced monthly payments designed to help support flexibility. | Learn more |
| Lender-Paid Monthly Premium Mortgage Insurance | Monthly MI premiums paid by the lender that typically result in an increased interest rate or origination fee for the loan. | Learn more |
| Lender-Paid Single Premium Mortgage Insurance | A single upfront MI premium paid by the lender to provide coverage for the life of the loan. | Learn more |
*CustoMIze SplitEdge®️ is available to RADAR®️ Rates customers and may not be available in all jurisdictions or for all transaction types; other exclusions may apply. Contact your Account Manager for more information.
Coverage for a wide range of lending scenarios
Explore program options designed to support a variety of origination needs. Not sure which program fits your scenario?
Recission relief for eligible delegated and non-delegated submissions. Refer to the Origination & Serving Guide for details.
Radian Guaranty will honor Commitments for up to one year while a home is under construction, helping to reduce uncertainty for new-construction lending.
Eligibility options for loans amounts that exceed FHFA limits, up to $2,000,000.
Expanded eligibility for qualifying medical professionals (eligible occupations can be found in our guidelines), supporting loan amounts up to $2,000,000.
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.
Mortgage Insurance Coverage Options
*Determination of eligibility for a particular program or exemption is made by Fannie Mae and Freddie Mac and not by Radian Guaranty Inc.
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The experience you need, the confidence in underwriting you deserve
Radian Guaranty's underwriting approach combines decades of experience with forward-looking analytics to support the delivery of consistent, reliable decisions. Access guidelines and calculators across a range of loan scenarios when you need them.
Pricing built for clarity and consistency
Radian Guaranty’s MI pricing reflects a disciplined, data‑driven approach that considers borrower and loan characteristics while remaining straightforward to access and apply. Our models are designed to help support predictable outcomes across market conditions, helping lenders price confidently and move efficiently from quote to commitment.
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. This communication is provided for use by real estate or mortgage professionals only and is not intended for distribution to consumers or other third parties. This does not constitute an advertisement as defined by Section 1026.2(a)(2) of Regulation Z.