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Compare over 20 top providers in Dover, NH
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Our team tailors policies to your unique needs, meaning optimal coverage at competitive rates.
"I was totally lost trying to find the right mortgage insurance until I found PolicyHub. I was able to work with a licensed agent to compare all my options all at one. I got the perfect plan for me at a cheaper rate than I expected."
Barbara Winters
Policy Holder
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"I lost hope trying to find a mortgage insurance policy that wasn't insanely expensive. Thankfully PolicyHub helped me find the perfect policy that is affordable with high coverage. Thank you!"
Bill Barton
Policy Holder
PolicyHub is the smartest way to protect the people that matter most.
Safeguard Your Family
Mortgage insurance means safeguarding your family in a worst-case scenario. Don't risk it.
Gain Peace of Mind
Far too many Americans are financially blindsided by the death of a loved one. But not your family.
Protect Your Business
Protect your business by ensuring a smooth transition of ownership with the right mortgage insurance.
Beat Estate Taxes
Inheritance or estate taxes is burdensome for your heirs. A mortgage insurance policy can help.
Invest in Your Future
For less than $1 per day, you can make a huge contribution to your family's financial safety.
Build Your Legacy
Through a mortgage insurance policy, you can leave behind a legacy for your loved ones.
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All your mortgage insurance needs in one place.
Private Mortgage Insurance (PMI)
PMI is your solution for buying a home with less than 20% down. It protects your lender, but also enables you to own a home sooner with less upfront cash. It's added seamlessly to your monthly mortgage payments.
FHA Mortgage Insurance Premium (MIP)
FHA's MIP is ideal for those with less-than-perfect credit scores. With an upfront premium and a smaller annual premium, MIP makes homeownership more attainable for a broad range of buyers.
USDA Mortgage Insurance
USDA Mortgage Insurance is tailored for rural homebuyers. With a manageable upfront guarantee fee and a low annual fee, it's a cost-effective way to secure your countryside dream home.
VA Funding Fee
The VA Funding Fee, unique to VA home loans, is a one-time fee that helps sustain the VA loan program for future generations of military homeowners. Depending on your service history, you may even be exempt.
"Highly HIGHLY recommend PolicyHub if you need mortage insurance. They saved me sooo much time and money on my policy, it's nuts. Comparing all the providers at once is a game changer."
Chris Stephens
Policy Holder
Introducing PolicyHub Price Match Guarantee
Our priority is to save you money while getting you the right coverage. If you find a lower rate for a similar policy anywhere else, we'll match it! With PolicyHub, you can rest assured knowing you're getting the best price.
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"I knew I needed mortgage insurance but I didn't know where to go. I talked with a few other companies but the cost was outrageous. I found PolicyHub and found the perfect plan for me at an affordable cost."
Wendy Smith
Policy Holder
Frequent Questions...
Choosing the right mortgage insurance policy can be overwhelming, but in Dover, NH, there are options for all types of homeowners. To ensure you make the best decision for you, take into account the type of loan you have, the value of your home, and your current financial situation. Research available policies and compare deductibles, coverages, and vendor ratings to make sure you select an insurer that meets the standard of your needs. Additionally, I recommend speaking to a professional in the mortgage industry to gain insight into their local experience and which insurers are most reputable in the Dover area.
Can I avoid a Dover mortgage insurance policy with a larger down payment?
Yes, making a larger down payment can help you avoid paying mortgage insurance in Dover, New Hampshire. Generally, if you put down at least 20% of the home's purchase price, mortgage insurance may not be required. For example, if you are buying a $150,000 home, you need to provide a down payment of at least $30,000 to avoid mortgage insurance. However, bear in mind that a larger down payment also means less borrowed money, which can potentially result in lower monthly payments.
Who is eligible for a private mortgage insurance policy Dover?
To be eligible for private mortgage insurance (PMI) in Dover, NH, you must meet certain criteria. These include having a primary mortgage with a loan-to-value ratio (LTV) above 80%, being a first-time homebuyer, having sufficient credit history to qualify for a loan, and being able to make a down payment of at least 20% of the purchase price for the property. Additionally, those seeking PMI in Dover should possess sufficient income to be able to make mortgage loan payments that are greater than or equal to 28% of their gross income.
What is FHA mortgage insurance near Dover?
FHA mortgage insurance is a type of loan insurance offered to those purchasing a home in Dover, NH that meets the standards set by the Federal Housing Administration. This type of insurance helps to protect lenders from any default on loan payments, providing homeowners who receive an FHA loan in Dover with additional security. Additionally, FHA mortgage insurance allows borrowers with less-than-stellar credit ratings the opportunity to become homeowners. The insurance helps to offset the risk of lending to borrowers who may struggle to secure other forms of financing to buy their new home.
What are the benefits of USDA insurance from Dover mortgage insurance companies?
USDA Mortgage Insurance offers many benefits to the residents of Dover, NH. USDA Mortgage Insurance offers incomparable mortgage rates which are among the lowest in the nation. USDA also offers 100% financing opportunities, meaning you can purchase a home in Dover without a down-payment. In addition, you can enjoy lenient credit criteria which makes homeownership within reach for more Dover residents. Also, you can count on competitive closing costs with USDA Mortgage Insurance, making it more affordable to purchase a property.
The VA Loan program offers many benefits for home buyers in Dover, NH, including no down payment or mortgage insurance costs, competitive rates, and flexible eligibility requirements. Additionally, VA loans are assumable, which could be extremely beneficial to future buyers if the veteran homeowner plans to sell their home. All active-duty military personnel, veterans, members of the National Guard and Reserve, and surviving spouses of veterans are eligible for the benefits of a VA loan. Therefore, veterans in Dover, NH can benefit from a VA loan that is specifically designed to make the home buying process a reality.
Are there discounts available for mortgage insurance in Dover?
Yes, there are discounts available for mortgage insurance in Dover, NH. For example, many mortgage insurance companies in Dover offer discounts for signing up for auto-pay, adding an alternative payment method, and/or have been with them for an extended period of time. Additionally, some local mortgage insurance companies in Dover also provide specific discounts and/or other incentives for veterans, first responders, or other members of the community. Finally, Dover is home to many mortgage insurance advisors who can help navigate special situations and determine if further discounts, rebates, or incentives are available.
Does the mortgage insurance termination process vary by Dover mortgage insurance policy?
The mortgage insurance termination process does vary by lender, especially in Dover, NH. Generally in Dover, lenders will require borrowers to provide proof of mortgage insurance status, like a termination statement, from their mortgage insurer before the borrower’s loan will be approved. Lenders may also require a borrower to submit an appraisal or home inspection to confirm the value of the property before allowing a termination. Some lenders may also require borrowers to pay cancellation fees when they terminate their mortgage insurance. It is important to check with your specific lender to find out exactly what the mortgage insurance termination process is in Dover.
What factors are considered when calculating mortgage insurance for a Dover mortgage insurance company?
When calculating mortgage insurance in Dover, NH, there are many factors that need to be considered. These include the borrower's creditworthiness, the type of loan chosen, the amount of the down payment, the loan term, and the loan to value ratio. Additionally, local regulations enforced by the Dover, NH government such as affordability requirements may also play a role in finalizing a mortgage insurance rate or requirement. Mortgage insurance can help protect lenders in case of default on the loan, so it's important that lenders are aware of these factors and how they will affect the mortgage insurance calculation.
What happens if I don't use mortgage insurance companies in Dover?
In Dover, New Hampshire, if you fail to acquire mortgage insurance, you run the risk of not getting a loan for your home purchase. Without mortgage insurance, lenders can refuse to offer you financing, as they have no financial protection should you default on the loan. Acquiring mortgage insurance helps protect the lender, and may make it easier for them to offer you the loan.
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