Basis of Calculation for HPA Refund for Borrower-Paid Single-Premium Plans

United Guaranty recognizes the importance of properly cancelling mortgage insurance and refunding unearned premium (if any) in accordance with the Homeowners Protection Act of 1998 (HPA).

To process or request an HPA refund for borrower-paid, single-premium plans, you have multiple options, including:

Option 1: Access MI Guideā€™s servicing platform to view and, in some cases, update information. You will need to process the cancellation using MI Guide.

Option 2: Send an email to with the following information:

Option 3: Manual calculation. Click here for calculation formulas.

Basis of Calculation

The basis of the HPA refund for borrower-paid, single-premium plans includes the following elements: