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With PolicyHub you get to compare over 37 Mortgage Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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"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 life insurance.
Beat Estate Taxes
Inheritance or estate taxes is burdensome for your heirs. A life 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 life insurance policy, you can leave behind a legacy for your loved ones.
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Mortgage insurance is a policy that protects lenders against losses that result from defaults on home mortgages. If the borrower is unable to pay the mortgage and the lender can't recover its costs through foreclosure, the insurance will cover the remaining costs. It's typically required for borrowers making a down payment of less than 20% on their home purchase.
Private mortgage insurance (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's mortgage insurance premium (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 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. 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.
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Real PolicyHub testimonials...
"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
Get matched with a 5-Star Mortgage Insurance agent.
Roy Stephens
Mortgage Insurance agent
Roy Stephens is a Mortgage Insurance agent licensed in your state.
Mark Sidway
Mortgage Insurance agent
Mark Sidway is a Mortgage Insurance agent licensed in your state.
Cale Reeves
Mortgage Insurance agent
Cale Reeves is a Mortgage Insurance agent licensed in your state.
"I was searching for Mortgage Insurance but quickly found out that everyone was trying to sell me on policies I didn't need. Thankfully I found PolicyHub and get the cheapest rates and the right policy."
Nicole Nielson
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 for Mortgage Insurance in Near Me.
Frequent Questions...
Mortgage insurance is a policy that protects lenders against losses from a borrower's default. It's typically required when a borrower makes less than a 20% down payment, providing a safety net that makes homeownership more attainable.
What is private mortgage insurance?
Private Mortgage Insurance (PMI) applies to conventional loans when the down payment is less than 20%. It's insurance that protects the lender, and the cost is often bundled into the borrower's monthly mortgage payment.
What is FHA mortgage insurance?
FHA Mortgage Insurance Premium (MIP) is required for FHA loans. It consists of an upfront premium and an annual premium, protecting the lender against default risk, making homeownership accessible for those with lower credit scores.
What is USDA mortgage insurance?
USDA Mortgage Insurance is necessary for USDA loans, often sought by rural homebuyers. It consists of an upfront guarantee fee and a low annual fee, making it a cost-effective choice for those embracing rural living.
What is the VA funding fee?
The VA Funding Fee is a one-time charge on VA home loans, intended to sustain the VA loan program for future generations of military homeowners. Depending on service history and other factors, some borrowers may be exempt.
The cost of mortgage insurance varies depending on the loan type, loan amount, down payment percentage, and your credit score. Typically, it can range from 0.5% to 2.25% of the original loan amount per year.
What does mortgage insurance cover?
Mortgage insurance covers the lender in case a borrower defaults on their loan. It mitigates the risk lenders undertake when offering loans with lower down payments.
When does mortgage insurance go away?
For conventional loans with PMI, mortgage insurance typically falls away once the borrower reaches 20% equity in the home. For FHA loans, the rules can vary, and in some cases, MIP may be required for the life of the loan.
How to calculate mortgage insurance?
To calculate mortgage insurance, you'll typically multiply the cost of your home loan by the mortgage insurance rate, then divide by 12 for the monthly cost. Rates vary based on loan type and personal factors.
How to remove mortgage insurance?
You can request to remove PMI from your loan once you've reached 20% equity in your home. For FHA loans, refinancing may be necessary to remove MIP. Always consult with your lender for precise details.
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