Member-Paid Mortgage Insurance
With several member-paid options to choose from, you can be sure that United Guaranty provides an option that’s right for your member and your organization.
PostPay Monthly Premium:
Designed to reduce closing costs for mortgage insurance, PostPay® simplifies closings because no premium is due at closing.
- No up-front charge to the member.
- Fully excluded from the QM 3% points and fees cap.
- Download our PostPay Monthly Flyer.
No-Refund Single Premium:
For members seeking the lowest monthly payment option for a high-LTV loan, the No-Refund Single Premium is a great option.
- The premium can be paid by anyone at closing.
- The full premium amount must be included in the 3% calculation. However, our Performance Premium® pricing makes this a viable option for many members.
Divide your member's up-front cost and renewal premiums to help lower the monthly payment.
- The up-front portion of the premium is fully counted in the points and fees calculation.
- The monthly renewal premium is excluded.
- Download our Split Premium Flyer