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Compare over 20 top providers in Anthem, AZ
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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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Step 2
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Discuss your options with a licensed insurance agent. Compare different plans to find the best policy with the cheapest rates.
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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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With PolicyHub getting started is easy. Compare all the rates from all the providers. Get started in under 5 minutes.
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.
Save time and get the best policy with the cheapest rates. Guaranteed.
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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...
Mortgage insurance plays an important role in helping to protect homeowners in Anthem, AZ. By having mortgage insurance, homeowners can have peace of mind knowing that their investment is safe in the event of an unexpected unforeseen economic change or other life event. Mortgage insurance helps ensure that a homeowner will be able to continue to make payments on their home even if their income changes or they experience an unexpected hardship. Having mortgage insurance can also help first-time homebuyers who don't have a large down payment in place, as it can provide the necessary protection to the lender while still allowing the borrower to purchase a home.
What is the minimum down payment to avoid a Anthem mortgage insurance policy?
The minimum down payment to avoid mortgage insurance in Anthem, AZ will depend on your type of loan and your credit score. Generally speaking, those applying for a conventional loan with excellent credit (>=680) will need a minimum down payment of 20%. Those applying for an FHA loan will need a minimum down payment of 3.5%. Lastly, those applying for a VA loan will need no down payment, but must be able to show sufficient income and credit to satisfy the VA's loan requirements.
Do I need a private mortgage insurance policy Anthem?
Living in Anthem, AZ, you may face the decision of whether or not to purchase private mortgage insurance (PMI). PMI is insurance that protects your lender should you default on your loan. Depending on the specifics of your loan, in Anthem, AZ you could be required to have PMI if you do not have a down payment of at least 20%. PMI can also cover costs should you experience financial difficulty. The monthly premium of PMI will be added to your mortgage payment each month.
Who is eligible for FHA mortgage insurance near Anthem?
People who are purchasing a home in Anthem, AZ may be eligible for Federal Housing Administration (FHA) mortgage insurance, which helps protect lenders against losses when borrowers default on their loans. To qualify, you must have a valid Social Security number, be a lawful permanent U.S. resident, and have a verifiable steady income. Additionally, if you are an existing homeowner looking to purchase a new home with an FHA loan in Anthem, AZ, you must have proof of ongoing mortgage payments on your existing home.
Do Anthem mortgage insurance companies offer USDA insurance?
USDA mortgage insurance is a flexible, low-cost loan program designed to assist low-income families in purchasing a homes throughout rural areas. In Anthem, AZ, USDA mortgage insurance can be especially beneficial due to the plethora of rural areas surrounding Anthem. This loan provides reliable and low-cost coverage for families that may struggle to find affordable home loan options. Plus, USDA mortgage insurance doesn't require a down payment so families can purchase a home with a competitive interest rate. Consequently, USDA mortgage insurance in Anthem, AZ is an excellent way for many families to achieve long-term financial security.
Veterans and active-duty military personnel living in Anthem, AZ may be eligible to take advantage of a VA loan. To qualify, applicants must provide a Certificate of Eligibility in order to demonstrate their service record. Further requirements may include suitable credit score, adequate debt-to-income ratio, and sufficient funds for the down payment and closing costs. Additionally, applicants may need to meet residency, occupancy requirements, and demonstrate the ability to make full monthly installments on the loan. For more information and specific eligibility requirements, please contact your local VA office in Anthem, AZ.
What can I do to lower the cost of my mortgage insurance in Anthem?
In Anthem, AZ, there are several steps you can take to reduce the cost of your mortgage insurance. One option is to shop around and compare mortgage insurance rates from several different companies, as rates can vary significantly from one provider to the next. Additionally, if you are able to make a downpayment of at least 20% on your loan, you may be able to avoid having to pay for mortgage insurance at all.
What process do I need to follow to cancel my Anthem mortgage insurance policy?
To cancel your mortgage insurance in Anthem, AZ, the first step you'll need to take is to contact your lender for specific cancellation instructions. Your lender can also work with you to understand the different considerations such as when and how much of the premiums you may be due for a refund. Your insurance provider may also have additional cancellation requirements which you must meet. In order to get the full story, it is important to speak to your lender and insurance provider in order to determine the process and paperwork to complete to officially cancel your mortgage insurance.
Is there an online calculator for mortgage insurance from a Anthem mortgage insurance company?
Yes, residents in Anthem, AZ can use an online calculator for mortgage insurance. Anthem Financial Services offers a home loan calculator on its website that allows customers to estimate their mortgage payment amount along with monthly mortgage insurance costs, home loan programs and payment options. Customers can also take advantage of features such as creating and tracking custom scenarios and obtaining approved lender rate sheets. These services are very helpful as they allow customers to compare and analyze rates from other lenders offering home loans within Anthem, AZ. Customers may use the online calculator to find the best mortgage loan solution that fits their individual needs and individual budget.
Are there alternatives to mortgage insurance companies in Anthem?
In Anthem, AZ, it is possible to purchase real estate without mortgage insurance using a VA (Veteran's Administration) home loan. These loans are specially designed for service members, veterans, and military families so that they can buy and maintain their dream home. VA loans come with special benefits not found with other mortgage options like lower interest rates, no down payment or private mortgage insurance, and a more lenient qualifying process. Additionally, veterans can benefit from no-down payment programs such as the Homes for Heroes program and some USDA Rural Development programs.
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