icon Members Save More

For Most Members, United Guaranty Can Mean
Lower Cost and More Buying Power

Members Save More Up Front and over the Life of the Loan.

Price us today and see how MI with United Guaranty can save your member money on our loans up to 97% LTV.


United Guaranty Can Save Your Members Money.

United Guaranty Performance Premium® FHA
Member-Paid Monthly Member-Paid Single Non-Refundable Lender-Paid Single FHA Financed

$1,037
Total Monthly Payment

$940
Total Monthly Payment

$984
Total Monthly Payment

$1,055
Total Monthly Payment

$93
Monthly Payment

$4,040
Up-front MI

$4,040
Up-front Paid by Lender

$3,500
Up-front
$142
Monthly Payment

58 bps

202 bps

202 bps

175 bps(upfront)
85 bps(annually)

3.875%
Interest Rate
3.875%
Interest Rate
4.25%
Interest Rate
3.50%
Interest Rate

Five Year MI Savings
$6,444
Compared to FHA

Five Year MI Savings
$8,204
Compared to FHA

Five Year MI Savings
$8,552
Compared to FHA

 
Total MI Cost for the Life of the Loan

$10,633

$4,040

$15,626

$36,379

Isn't it time to ask why you're still using FHA for your members?

*United Guaranty Performance Premium provides multiple single premium options to fit each loan's individual characteristics. Premium may be paid by the borrower at closing or by the seller or with gifted funds. Premium may also be eligible for financing as part of the mortgage. Please reference product eligibility requirements for specifics. Premium payments are based on a straight line amortization schedule.

Assumptions: Base loan amount $200,000, two borrowers, 760 credit score, 41% DTI, 30-year fixed-rate purchase loan, single-family house with 30% coverage, stable market, 97% LTV United Guaranty, and 96.5% LTV FHA. Performance Premium pricing as of April 18, 2016. FHA rate source: FHA Mortgagee Letter 2015-1.