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 Rosedale, CA
Your one-stop-shop to compare all the rates, all at once.
With PolicyHub you get:
Over 20 policy provider comparison.
Explore multiple Rosedale, CA 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...
Finding the right mortgage insurance policy for your needs can be a daunting task, especially when considering the numerous options available in the Rosedale, CA region. It is important to consider the type of home you are buying – are you purchasing a new construction, a single-family home, or a condo? The location of the property is also a key factor in determining the right mortgage insurance policy, as some areas may require more coverage than others. Additionally, consider the size of the loan and the length of the repayment period before settling on one policy.
How does a larger down payment affect my Rosedale mortgage insurance policy cost?
In Rosedale, CA, a larger down payment on a mortgage can lead to a substantial decrease in mortgage insurance cost. Since mortgage insurance is calculated based on the size of a down payment, opting for a larger down payment can result in lower monthly insurance payments, allowing homeowners to save hundreds or even thousands of dollars per year. This is especially beneficial if a homebuyer doesn’t have the ability to fulfill the 20% down payment requirement of traditional mortgages. As the down payment increases, the mortgage insurance cost for FHA and USDA loans decreases.
Do I need a private mortgage insurance policy Rosedale?
In Rosedale, CA, whether or not you need private mortgage insurance will depend on a few factors. Generally, if you are making a down payment of less than 20% of the purchase price of a home, private mortgage insurance will be required. Additionally, if you have a high debt-to-income ratio and/or poor credit score, private mortgage insurance may be required. To be sure, it’s best to contact a lender near you to discuss your specific situation in order to understand if private mortgage insurance is necessary for you.
Who is eligible for FHA mortgage insurance near Rosedale?
In Rosedale, CA, anyone who meets the qualification requirements established by the Federal Housing Administration is eligible to pursue an FHA Mortgage Insurance loan. These qualifications include having a consistent income, good credit score, and the ability to make a minimum down payment, as well as meeting the experience and education requirements. Generally, the applicant must also demonstrate an ability to pay the mortgage loan and meet FHA loan limits for the Rosedale area. Furthermore, the Federal Housing Administration typically requires the borrower to have paid off any delinquent debts as well as attend a HUD-approved homebuyer counseling program.
How do Rosedale mortgage insurance companies process USDA insurance?
USDA mortgages are an popular option for home buyers in Rosedale, CA. These mortgage options can help to make home ownership more affordable, as they offer competitive interest rates and require no down payment. USDA mortgage insurance works by insuring the mortgage loan and protecting the lender in the event of a borrower’s default. This means that when a borrower fails to make a mortgage payment, USDA insurance will cover the missed payment and any additional costs. It should be noted that USDA mortgage insurance also provides coverage to lenders in such instances.
Residents of Rosedale, CA who are veterans, current members of the armed forces, and qualified surviving spouses of deceased active-duty veterans may qualify for a VA loan. VA loans are government-backed loans through the U.S. Department of Veterans Affairs and are often a preferred option for veterans looking to purchase a home. Many lenders also offer special allowance to veterans, including reduced fees and no down payments. It is important to check with local lenders to determine eligibility and other specifics.
Can I negotiate the cost of my mortgage insurance in Rosedale?
Yes, it is possible to negotiate the cost of your mortgage insurance in Rosedale, CA. A strong credit score should help you qualify for more favorable loan terms. Additionally, working with an experienced mortgage broker or loan officer can help you find the best rate possible and potentially save you money. Depending on the lender you choose, you could also qualify for discounts or special offers that can reduce the overall cost. It's worth exploring your options and making sure you are getting the best deal on your mortgage insurance.
What process do I need to follow to cancel my Rosedale mortgage insurance policy?
In Rosedale, CA, all you need to do to cancel your mortgage insurance is contact either an insurance provider or the lender you obtained the mortgage from. Be sure to have all the information associated with the mortgage policy, including the policy number, on hand so that the process can be quickly addressed. If you have any questions or difficulties along the way, you can reach out to the lender for further assistance. On confirmation of the cancellation, you will be forwarded any applicable refunds or subsidies.
Can my Rosedale mortgage insurance company help me calculate my mortgage insurance cost?
Yes, your lender can help you calculate your mortgage insurance in Rosedale, CA. Your lender can review your Rosedale residence and financial information to determine which type of mortgage insurance is best for your needs. Your lenders in Rosedale will help you understand the different types of loan-term options available to you, the upfront costs associated with your mortgage, and the annual premium of your mortgage insurance. With the help of your lender, you can also gain the tools and guidance needed to understand how to pay your monthly mortgage insurance and how to protect your financial interests.
Who is required to use mortgage insurance companies in Rosedale?
In Rosedale, CA, mortgage insurance is often required on loans with a loan-to-value ratio of higher than 80%. If a home buyer makes a down payment that is less than 20% of the total purchase price of the home, then mortgage insurance is usually mandatory. Since mortgage insurance helps protect both the lender and the buyer in the event that the loan is not repaid, lenders often require mortgage insurance for high loan-to-value mortgages. Additionally, some lenders also require mortgage insurance on loans with looser credit requirements that might present additional risks.
Other locations near Rosedale, CA
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