Compare over 20 mortgage insurance policies in as little as 5 minutes.
With PolicyHub you get to compare over 20 mortgage insurance policy providers in as little as 5 minutes. Save time. Save big. Get started now.
Compare over 20 top providers in Dublin, GA
Your one-stop-shop to compare all the rates, all at once.
With PolicyHub you get:
Over 20 policy provider comparison.
Explore multiple Dublin, GA policies from all the leading insurers and choose the one that fits your needs.
Locked in rate discount and exclusive deals.
Benefit from exclusive deals offered only to residents of your state, and lock in huge rate discounts.
Customized policies just for you.
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
ATTN: 2024 rates just released!
Get the latest mortgage insurance rates for 2024 and lock in your policy today! Get started comparing policies today.
Get the perfect plan with the cheapest rates in 3 easy steps.
Done in 3 easy steps
Step 1
Tell us about yourself.
Finding the perfect mortgage insurance policy starts with answering a few questions to help us serve you better.
Step 2
Compare rates & plans with a pro.
Discuss your options with a licensed insurance agent. Compare different plans to find the best policy with the cheapest rates.
Step 3
Lock in cheap rates.
Secure the lowest rates and lock in the perfect mortgage insurance policy for you and your family.
"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.
Get started in less than 5 minutes.
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.
![]() |
Option 1 | Option 2 | ||
---|---|---|---|---|
100% Digital | ||||
Licensed Agents | ||||
Expert Support | ||||
Get Started in 5 Minutes | ||||
Decades of Experience | ||||
Compare 20+ Providers | ||||
Zero Hidden Costs | ||||
Top Insurance Providers |
"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 in Dublin, GA is insurance that protects the lender and the borrower from financial loss if the borrower defaults or is otherwise unable to make their mortgage payments. This insurance helps borrowers because if they have a financial hardship then the insurance policy could kick in and cover the payments. Mortgage insurance typically requires a small fee at closing, but can help a borrowers achieve their dreams of home ownership. In order to determine if mortgage insurance is the right fit, it’s important to understand the various types of mortgage insurance available and the benefits they offer.
What is the minimum down payment to avoid a Dublin mortgage insurance policy?
The minimum down payment to avoid mortgage insurance in Dublin, GA can vary depending on the lender. Generally, in Dublin, lenders require you to put down at least 20% of the purchase price for a home in order to avoid mortgage insurance. However, if your credit score is higher than 720 or your down payment is over 25%, you could potentially qualify for a lower down payment amount. It's important to discuss your individual situation with a mortgage lender in order to understand your financing options.
What is a private mortgage insurance policy Dublin?
Private mortgage insurance (PMI) is an extra expense included in many loan programs in the Dublin, GA area. It is insurance your lender requires you to purchase if you put down less than 20% as a down payment when buying a home. PMI generally protects the lender if a borrower defaults on the loan. It is an added monthly expense on top of existing mortgage payments, which makes the cost of the loan more expensive. PMI is typically required in conventional loans but can also be found in some FHA loans, VA loans, and USDA loans.
What are the drawbacks of FHA mortgage insurance near Dublin?
In Dublin, GA, FHA mortgage insurance can be costly for those who take out larger loans. Specifically, if a borrower takes out a loan amount that is higher than 95% of the property’s appraised value, the borrower will be required to pay a 1.75% upfront premium at closing. This can be a large chunk of money for those taking out higher-priced mortgages. Additionally, FHA mortgage insurance requires an annual premium that must be paid throughout the tenure of the loan, which further adds to the monthly payment.
Who is eligible for USDA insurance from Dublin mortgage insurance companies?
Individuals living in Dublin, GA who meet the USDA's eligibility requirements can apply for USDA mortgage insurance. The guidelines state that applicants must have a credit score of at least 640, a steady source of income, verifiable US citizen status, and not exceed income limits; Dublin's are currently $65,950 for 1-4 people. Those purchasing a home must also occupy it as their primary residence and not be barred from government-assisted loans due to criminal activity. Furthermore, it must be for a single-family dwelling and the home must be located in an area designated by the USDA.
The primary drawback of a VA loan in Dublin, GA is that lenders are often more conservative and it can be more challenging to obtain a loan as compared to a standard loan. VA loans require borrowers to receive a Certificate of Eligibility, which can take some time to process. Additionally, the lender must prove that the borrower was in good standing during their military service before the loan is approved. While the interest rates of VA loans can be slightly lower than other loans, borrowers are ultimately responsible for the funding fee, which may not make it as cost-effective as a standard loan.
How much is mortgage insurance in Dublin?
It depends on the type of mortgage you are trying to obtain in Dublin, GA, as well as your income and credit score. For instance, if you are seeking a FHA mortgage in Dublin, GA, you may pay an Upfront Mortgage Insurance Premium (UFMIP) of 1.75% of the loan amount and an Annual Mortgage Insurance Premium (MIP) of 0.45% 1.05%, depending on the duration of the loan.
Can I cancel my Dublin mortgage insurance policy early?
If you live in Dublin, GA, you may be able to cancel your mortgage insurance early. This is usually applicable if you have a certain level of equity in your home or if you have paid off a substantial portion of your mortgage loan. If your loan is owned by Freddie Mac or Fannie Mae, you may not need to carry mortgage insurance for your loan. You should contact your loan servicer to inquire about the specifics of your loan and if you are eligible to cancel your mortgage insurance early.
Is the mortgage insurance calculation method the same for every Dublin mortgage insurance company?
No, the mortgage insurance calculation method is not the same for all lenders in Dublin, GA. Every lender may have different terms and conditions on their mortgage insurance calculation, so it is important to review and consider the specific details of every lender you are considering. Furthermore, locals may have access to offers and options from local lenders, such as credit unions, that might be more favorable than those of larger, national lenders. Ultimately, it is up to you to do your due diligence and research the various options available now.
What happens if I don't use mortgage insurance companies in Dublin?
In Dublin, GA, not getting mortgage insurance will mean a higher potential for risk when it comes to repayment failure in the event of a life-changing event, such as job loss or health issues. Many lenders require borrowers to have mortgage insurance to cover any missed payments due to unforeseen circumstances. Without it, borrowers could be forced into foreclosure, resulting in the lender reclaiming the home and the borrower being at risk for a significant financial burden. Having mortgage insurance can provide peace of mind to both borrowers and lenders and, in some cases, help borrowers obtain a lower interest rate.
Compare Life Insurance Policies
Get started today and compare over 37 life insurance providers in as little as 15 minutes.
© 2024 PolicyHub - all rights reserved