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Compare over 20 top providers in Marietta, GA
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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 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...
In Marietta, GA, there are several types of mortgage insurance available. Private Mortgage Insurance is available to protect lenders in the event of a borrower defaulting on their mortgage payments. It typically requires the borrower to pay an upfront cost at closing as well as a premium. Mortgage Insurance Premium (MIP) is often required if you take out an FHA loan. Itβs a one-time payment and protects lenders from losses if you fail to make your monthly payments.
Can I avoid a Marietta mortgage insurance policy with a larger down payment?
Yes, you can avoid mortgage insurance by making a larger down payment in Marietta, GA. A variety of loan options exist that may require as little as a 3 percent down payment, but to avoid mortgage insurance, a minimum of 20 percent is usually required. In Marietta, you have access to FHA loans, which are offered through the Federal Housing Administration, and USDA loans, which are offered through the U.S. Department of Agriculture, as well as a variety of conventional banking and lending opportunities.
Who is eligible for a private mortgage insurance policy Marietta?
In Marietta, Georgia, anyone with less than a 20% down payment is eligible for private mortgage insurance (PMI). This type of insurance is typically available to both homebuyers and refinance customers, as long as they're within the acceptable parameters for the lenders terms of service. PMI is designed to safeguard the lender in the event the borrower is unable to complete the mortgage payments. Specific requirements regarding credit history, income and other criteria must be met to be eligible for this type of insurance.
Who is eligible for FHA mortgage insurance near Marietta?
In Marietta, Georgia, those who wish to apply for FHA mortgage insurance are eligible if they are US citizens, have a valid Social Security Number, and have 3.5% of the purchase price of the home as a down payment. Additionally, to be eligible, applicants require a minimum credit score of 580, and should expect to pay an upfront mortgage insurance premium. Those who do not meet these criteria may still be eligible under extenuating circumstances such as previous bankruptcy or foreclosure.
Do Marietta mortgage insurance companies offer USDA insurance?
In Marietta, GA, USDA mortgage insurance is available through the United States Department of Agriculture (USDA) Rural Development. This unique type of mortgage insurance provides affordable financing options to borrowers in eligible rural and suburban areas throughout the country, including Marietta. USDA mortgage insurance is an effective way of keeping monthly payments lower for homeowners living outside of major metropolitan areas. The insurance provides up to 100 percent financing, no down payment, and competitive interest rates and terms. In addition, USDA mortgage insurance offers flexible credit requirements and the option to refinance to lower loan payments.
The VA funding fee in Marietta, GA is a fee charged to members of the military or other veterans accessing the VA loan program. This fee helps to offset the cost of providing the loan as well as ensure that there will be resources available for future veterans. The exact cost of this fee varies based on a number of factors, such as the down payment amount and the type of service member. Generally, veteran home buyers in Marietta, GA should expect to pay between 0.5% to 3.3% of the loan amount as a funding fee.
What factors influence the cost of mortgage insurance in Marietta?
The factors that influence the cost of mortgage insurance in Marietta, GA include the size and type of loan, the loan-to-value ratio, the borrower's credit score and financial history, and the particular mortgage insurance product selected. Additionally, the specific property location in Marietta, GA will affect insurance premiums since the risk of the particular address is taken into consideration by the insurer. A borrower's down payment size will also impact the cost of mortgage insurance, since the higher the down payment the less the borrower will need to insure.
Does the mortgage insurance termination process vary by Marietta mortgage insurance policy?
Yes, the mortgage insurance termination process can vary according to the lender in Marietta, GA. It is important to read the terms and conditions laid out in the loan contract in order to learn how the mortgage insurance termination process will be handled. It is also encouraged to research which lenders in the Marietta, GA area offer the most beneficial terms and conditions when it comes to mortgage insurance termination. In addition, it could be beneficial to seek advice from a professional with knowledge in this area prior to making a loan decision.
Is the mortgage insurance calculation method the same for every Marietta mortgage insurance company?
In Marietta, Georgia, the mortgage insurance calculation method may vary from one lender to another. It's important to research multiple lenders to ensure you receive the best mortgage rate and terms that fit your specific financial situation and needs. Additionally, when comparing lenders, always seek professional advice from an accredited lender or financial advisor who is knowledgeable about mortgage insurance in the Marietta area. Ultimately, you should ensure the terms and rates of your lender's mortgage insurance calculation method match your long-term financial goals and objectives.
Who is required to use mortgage insurance companies in Marietta?
Generally, those who have a loan-to-value ratio greater than 80% are required to obtain mortgage insurance in Marietta, GA. For example, if an individual takes out a loan for $160,000, but the house is only worth $150,000, they have an LTV of over 80% and are likely to be required to purchase mortgage insurance. It's important to be aware that the specific requirements may vary depending on the type of mortgage loan, the lender, and other factors.
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