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Submitted URL: https://mgic-connects.com/
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Submission: On March 16 via manual from US — Scanned from DE
Effective URL: https://www.mgic.com/blog
Submission: On March 16 via manual from US — Scanned from DE
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* Rates Toggle Menu RATES Find what you need to know about MGIC’s mortgage insurance rates. * Start here * 15 is greater than 20 * How to get an MI rate quote * Coverage requirements * MI premium plans * Mobile app * MiQ login - get a quote * Premium refunds * State filing status * Get the right rate Right now, you can know you're getting the right MI rate for your borrowers by quoting with MiQ * Underwriting Toggle Menu UNDERWRITING Gain quick access to the latest underwriting guidelines for MGIC mortgage insurance. * Underwriting guide * Home Possible® * HomeReady® * Housing Finance Agencies (HFAs) * MGIC Go! * Portfolio Lending * Qualified Mortgage highlights * Quality Control * Refi-to-mod (RTM loans) * Self-employed borrower worksheets * Underwriting guide & summaries * Underwriting rates & bulletins * Recent underwriting updates At your fingertips: the latest bulletin announcements and MGIC news releases regarding industry changes. * Ordering / Servicing Toggle Menu ORDERING / SERVICING To get started with ordering MI and servicing assistance from MGIC, begin with a review of our submission options and helpful resources. * Start here Ordering Toggle Menu * About ordering mortgage insurance * Implementation of the redesigned URLA * Loan Center help * Master policy * Ordering contract underwriting * Ordering mortgage insurance Servicing Toggle Menu * About servicing * Activating MI * Bulletins and news * Cancelling MI * Loan servicing guide * Loan servicing tools * Reference and reporting information * Rescission guide * Servicing Relationship Managers * Loan servicing guide Quickly review the guidelines, requirements and submission options you need to service your MI-insured loans. * Training Toggle Menu TRAINING Gain industry knowledge and essential skills from the experts at MGIC, the industry’s leading mortgage insurance authority. * Training classes * Homebuyer education options * MI Basics * Training classes * Tutorial library * An introduction to MI Basics Gain a better understanding about the ins and outs of mortgage insurance and how it reduces mortgage risk. * Reach first-time homebuyers Discover how our homebuyer education program can connect you with more potential borrowers. * Tools Toggle Menu TOOLS Educate, optimize and streamline your lending process with MGIC’s vast library of tools, resources and marketing materials. * Get started here Rethink MI Toggle Menu * MI as a strategy * MI for first-time homebuyers * MI for move-up buyers * 15 is greater than 20 * Buy now vs wait calculator Loan Officers Toggle Menu * Marketing yourself * Customized marketing for loan originators * Social Media Café * Referral partner strategies and tools * For Sale to Sold * Generate leads with Homebuyer Education * Reach out to real estate agents * Expand your market * Down payment assistance tools * Consumer calculators * First-time homebuyers * Hispanic marketing * Homebuyer education options * Self-employed borrower worksheets Lenders Toggle Menu * Why work with MGIC? * Portfolio Lending * Lender Landscape * Technology partners * Master policy * Blog Toggle Menu BLOG Check out our latest posts below, and be sure to listen in to our latest episode. * Mortgage Connects podcast * Infographics * Latest Posts * Mortgage Connects Podcast * Subscribe to our blog * Get our blog alerts Stay connected to the latest mortgage insurance news, trends and expert insights with timely email alerts. Sign up here. * Get a quick quote * Coronavirus * Credit Unions * New to MGIC? * MI Basics * About MGIC * Careers * Contact * Investors * Login / Signup Toggle Menu * Quick Quote: MiQ * Order MI: Loan Center * MGIC/Link Servicing * Secure File Transfer * Sign up for access * Search MGIC CONNECTS MGIC Connects is our mortgage industry blog, where experts share their insights beyond private mortgage insurance to help readers learn about mortgage finance, housing trends, real estate news and social media in the mortgage industry. 1. MGIC > 2. mgic connects > MORTGAGE CONNECTS, MGIC'S MORTGAGE INDUSTRY PODCAST Tune in as we interview top mortgage professionals and thought leaders across the industry – from proven LOs to established CEOs – who have wide-ranging expertise to provide the best insights into market trends, best practices, marketing and referral strategies, training opportunities, and the future of the mortgage industry. Learn more about our new podcast * MORTGAGE MARKET SURVEY: OCTOBER 2021 by Tom LaMalfa | Nov 17, 2021 Get the latest information on the current conditions of the mortgage market from expert analyst Tom LaMalfa! Read more * HOW TO SAVE MORE DEALS AND OFFER MORE OPTIONS TO HOMEBUYERS by Vance Edwards | Nov 01, 2021 Ways to use private MI as a strategy to overcome the challenges of today’s market as well as expand cash flow options. Read more * EDDY PEREZ Q&A: FREEDOM IS EVERYTHING by Eddy Perez | Sep 20, 2021 Eddy Perez shares his father’s dangerous escape from Cuba, the importance of mental health and his deathbed promise to leave the world a better place. Read more * MIKE GARCIA Q&A: THE IMPORTANCE OF THE 4 BIG CS – CONSTITUTION, CAPITALISM, CHARITY & COMPETITION by Rep. Mike Garcia | Sep 16, 2021 From flying fighter jets in the Navy to serving in Congress, Rep. Garcia discusses how his goal has remained the same throughout his career: Fight for the U.S. and preserve it for generations to come. Read more * ARMANDO FALCON Q&A: STRONG & CARING ROLE MODELS INSPIRED THE MAN HE IS TODAY by Armando Falcon | Sep 16, 2021 Falcon shares why he went into public service, his efforts to clean up the operations of the GSEs before the financial crisis, and what the mortgage process will look like in 5 years. Read more * ANGEL ALBAN Q&A: ON WORKING HARD, HELPING OTHERS, DREAMING BIG AND MAKING IT HAPPEN by Angel Alban | Sep 16, 2021 Angel Alban shares career advice on how his Latin background gives him a unique ability, and how his company is on the forefront of a technological revolution that will transform mortgage originations and servicing forever. Read more * MORTGAGE MARKET SURVEY: MAY 2021 by Tom LaMalfa | Jun 07, 2021 Get the latest information on the current conditions of the mortgage market from expert analyst Tom LaMalfa! Read more * DANNY GARDNER Q&A: OVERCOMING HURDLES TO BUILD MORE CULTURALLY INCLUSIVE COMMUNITIES by Danny Gardner | May 04, 2021 Danny discusses how Freddie Mac supports equitable housing, why homeownership is the backbone of family stability, and minority homeownership rates. Read more * JIM PARK Q&A:CONNECTING WITH ASIAN AMERICANS IN THE COMMUNITY AND THE MORTGAGE INDUSTRY by Jim Park | May 04, 2021 Jim Park discusses Asian American outreach and connection, why diversity in America isn’t going away anytime soon, and what defines the AAPI community. Read more * PATTY GONG Q&A: ON SUCCESS AND NOT BEING AFRAID TO ASK QUESTIONS by Patty Gong | May 04, 2021 Patty Gong discusses her path to leadership, how women can succeed in their career journey, and why it’s important to let yourself shine. Read more * COMMUNITY BANKS AS PARTNERS by Kevin Hearden | Apr 15, 2021 According to the FDIC, there are over 4,500 community banks across the country. The majority are partners of MGIC. And we’re proud of that. Read more * SURVEY OF MORTGAGE MARKET CONDITIONS - MARCH 2021 by Tom LaMalfa | Mar 18, 2021 Get the latest information on the current conditions of the mortgage market from expert analyst Tom LaMalfa! Read more * SENATOR TIM SCOTT Q&A: CLOSING THE ECONOMIC GAP THROUGH FINANCIAL LITERACY by Tim Scott | Feb 17, 2021 Tim Scott opens up about how his humble beginnings and the help of a mentor who showed him the dignity of work led to his life of public service. Read more * TONY THOMPSON Q&A: INCREASING DIVERSITY IN THE MORTGAGE BANKING INDUSTRY by Tony Thompson | Feb 15, 2021 Tony discusses how the lack of women, millennials and minorities in the mortgage banking industry was the impetus for founding NAMMBA. Read more * GWEN MOORE Q&A: HOPE FOR THE FUTURE AND EXPANDING OPPORTUNITIES FOR BLACK AMERICANS by Gwen Moore | Feb 15, 2021 Gwen reflects on the events of 2020, the storming of our Capitol, and how the pandemic shined a spotlight on racial inequality and economic disparity for Black Americans. She also offers a solution for bridging our country’s deep divisions and shares her hopes and priorities for 2021. Read more * LISA RICE Q&A: HOW FAIR HOUSING INTERSECTS WITH ALL ASPECTS OF SOCIETY by Lisa Rice | Feb 09, 2021 Lisa discusses how the legacy of discrimination resulted in disparities of wealth, homeownership and opportunity. Read more * ANTOINE THOMPSON Q&A: PROMOTING DEMOCRACY IN HOUSING WITH NAREB by Antoine Thompson | Feb 03, 2021 Antoine shares how NAREB has helped him worked closely with the African American community while expanding NAREB’s footprint. Read more * MORTGAGE EXECUTIVES SURVEY | 2020 MBA ANNUAL CONVENTION by Tom LaMalfa | Oct 27, 2020 The purpose of the survey was to ascertain their thinking about a wide array of germane and important industry issues and topics. Read more * WHAT IS THE MORTGAGE BANKING INDUSTRY THINKING? by Tom Lamalfa | Jun 11, 2020 COVID-19 has presented difficulties for almost all industries in early 2020. How is the mortgage industry faring? Here's what top industry executives think. Read more * 5 TIPS FOR WORKING AT HOME WITH CHILDREN by Carrie Edwards | Mar 26, 2020 Learn how to turn the challenge of working at home with your children in the house into a positive experience for the whole family. Read more * HUD SECRETARY BEN CARSON Q&A: HIS VISION FOR IMPROVING HOUSING IN AMERICA by MGIC, featuring Ben Carson | Feb 28, 2020 Secretary Carson explains how his background in neurosurgery has translated to his position as Secretary of HUD. Read more * KRISTY FERCHO Q&A: LEADING WITH PASSION, PERSEVERANCE, PERSPECTIVE by MGIC, featuring Kristy Fercho | Feb 26, 2020 Kristy shares advice on how to achieve success when you stand out in a low-diversity environment, how to maintain passion by shifting perspective, and how her faith helps her persevere through adversity. Read more * CONGRESSWOMAN GWEN MOORE Q&A: A PASSION FOR HOUSING, PROTECTION, EMPOWERMENT by Gwen Moore | Feb 24, 2020 Gwen shares what inspired her to run for public office, the integral role she’s had in shaping housing finance, why Black Americans are experiencing the lowest homeownership rate in decades, and what we can do to fix it. Read more * DITRICK DUNN Q&A: WHY HOUSING FINANCE IS THE "BEDROCK OF OUR CIVILIZATION" by MGIC, featuring Ditrick Dunn | Feb 21, 2020 Ditrick shares his journey from military intelligence to housing finance, why he thinks housing finance is the bedrock of our civilization, and the challenges of starting your own company. Read more * STEVE THOMAS Q&A: FHLBANK'S ROLE IN EXPANDING HOMEOWNERSHIP, IMPORTANCE OF DIVERSITY & INCLUSION by MGIC, featuring Steve Thomas | Feb 19, 2020 Steve shares how his college ROTC experience taught him values that serve as an excellent foundation for his career, explains his journey into the mortgage finance world, and more. Read more * LENNY MCNEILL Q&A: KEYS TO AFFORDABLE LENDING, REACHING AFRICAN AMERICANS, MENTORSHIP by Lenny McNeill | Feb 18, 2020 Lenny shares his thoughts on how to successfully promote affordable lending to bring the possibility of homeownership – and the American Dream – to all. Read more * ALANNA MCCARGO Q&A: THE POWER OF PUBLIC POLICY, UNDERSTANDING THE BLACK HOMEOWNERSHIP GAP by Alanna McCargo | Feb 12, 2020 Alanna explains her passion for public policy and housing, and sheds light on the uphill battle for black Americans seeking homeownership. Read more * SANDRA THOMPSON, FHFA DEPUTY DIRECTOR Q&A: BALANCING REGULATION, ACCESS IN HOUSING FINANCE by MGIC, featuring Sandra Thompson | Feb 06, 2020 Sandra explains how the FHFA’s obligations are really two sides of the same coin, offers advice on finding the right mentor, and much more. Read more * WHY DOES HISPANIC HOMEOWNERSHIP KEEP GROWING? | MGIC CONNECTS by Danny Garcia-Velez | Sep 30, 2019 The world is finally catching on; Hispanic Heritage Month has prompted some internal reflection on what it means to be Hispanic. Read more * HOW TO USE BEACON MARKETING TECHNOLOGY TO GROW YOUR MORTGAGE BUSINESS by Ben Smidt | Apr 10, 2019 Beacon marketing technology seems to bea mystery for many in the mortgage and real estate business, but it can power a better customer experience, build relationships, and grow business. Read more * REDUCE THE IMPACT OF CECL WITH MORTGAGE INSURANCE by Garrett Hartzog | Nov 29, 2018 A lot of attention is being paid to current expected credit loss (CECL), a new accounting standard. So, what does this mean? Read more * GETTING STARTED WITH SOCIAL MEDIA IN THE MORTGAGE INDUSTRY by Ben Smidt | Sep 04, 2018 Getting started with social media in the mortgage industry can be daunting. Below are some of the easiest and best social media tips I have on how you can use social media to increase your business growth. Read more * 15 IS GREATER THAN 20 – A NEW ANGLE DISPELLING AN OLD MORTGAGE MYTH by Margaret Crowley | Jun 19, 2018 It may seem counterintuitive, but putting 5% less down (15% instead of 20%) can have many advantages for borrowers. Learn how. Read more * EDUCATION: THE PATH TO HOMEOWNERSHIP by Rob Chrane | Jan 31, 2018 In study after study, we see how little first-time homebuyers know about the path to homeownership, especially when it comes to down payment requirements and options. The world needs real estate agent and mortgage loan officer “teachers” more than ever. Read more * TOP MORTGAGE INDUSTRY BLOGS YOU NEED TO BE READING RIGHT NOW by Ben Smidt | Oct 04, 2017 We've collected the top mortgage blogs you need to be reading right now as a mortgage professional. Discover something new to share with your borrowers. Read more * WAITING TO SAVE A 20% DOWN PAYMENT CAN COST HOMEBUYERS MONEY by Vance Edwards | Apr 05, 2017 Let homebuyers know that waiting to save up 20% is not the only option, and they may be better off buying a home today with a smaller down payment. Read more * 5 SECRETS OF CUSTOMER EXPERIENCE SUCCESS IN THE MORTGAGE INDUSTRY by Margaret Crowley | Mar 28, 2017 In every profession, it’s the end-to-end customer experience that will set you apart from the competition – and the mortgage industry is no exception. Read more * WHY IT’S OKAY TO HAVE STUDENT LOAN DEBT by Vance Edwards | Sep 15, 2016 I believe the secret to a happy life is to make sure you understand the difference between a problem and an inconvenience. For most, student loan debt is an inconvenience. A burden, not a crisis. Read more * HOW TO BUILD A SOCIAL MEDIA STRATEGY IN THE MORTGAGE INDUSTRY by Ben Smidt | Aug 24, 2016 Understanding how to build a social media strategy in the mortgage industry is an important component to any loan officer’s personal marketing strategy. Read more * MAKING A CASE FOR DEEP COVERAGE MORTGAGE INSURANCE by Ted Durant | Jun 28, 2016 Deep Coverage Mortgage Insurance can play a significant role in bringing additional private capital to housing finance and reducing taxpayer risk. Read more * DEMYSTIFYING PARTNERSHIP AND S CORP INCOME ANALYSIS by Shelley Callaghan | May 04, 2016 Analyzing self-employment income from tax returns has long been one of the mysteries of mortgage underwriting — especially partnership and S-Corp returns. Read more * 3 QUICK TIPS ABOUT HOW TO BE MORE PRODUCTIVE IN THE MORTGAGE INDUSTRY by Ben Smidt | Mar 10, 2016 Here are three quick tips I have learned about how to be more productive and how it translates to the mortgage industry. Read more * 6 BASICS YOUR BORROWERS SHOULD KNOW ABOUT CREDIT SCORES by David Greco | May 13, 2015 Credit score awareness is important to all of us, but it is especially important to those seeking to secure a home mortgage. Read more * DO YOU KNOW YOUR MORTGAGE FRAUD RED FLAGS? by Tom Laposki | Mar 19, 2015 Anyone in the mortgage industry knows mortgage fraud happens, but all too often it’s a case of “that would never happen to me!” Are you sure? Read more * 5 GREAT WAYS TO ANNOY YOUR LINKEDIN CONNECTIONS by Ben Smidt | Mar 11, 2015 Use these expert tips and strategies to help guide your use of the leading professional social media platform. Read more * SOCIAL MEDIA SECRETS FOR THE SAVVY LOAN OFFICER by Ben Smidt | Feb 04, 2015 Let's discuss some of the social media secrets savvy loan officers are doing to expand their customer base, but not spending significant time doing it. Read more * EDUCATION AS A LEAD GENERATOR by Shelley Callaghan | Jan 08, 2015 First-time homebuyers, specifically Millennials, are known to use the information they find on the internet to inform their decisions. Read more * 3 WAYS TO AVOID MORTGAGE INSURANCE (AND WHAT IT WILL COST YOU) by Sal Miosi | Oct 31, 2014 There are typically 3 “strategies” to avoiding mortgage insurance. Here are the three ways you can avoid mortgage insurance (and what it will cost you). Read more * 4 MYTHS OF SOCIAL MEDIA YOU NEED TO RETHINK by Ben Smidt | Oct 15, 2014 With the rise of social media use among companies in regulated industries, it's important to understand the myths of social media worth rethinking. Read more * HOW YOU CAN HELP FIRST-TIME HOMEBUYERS UNDERSTAND THEIR HOME-BUYING OPTIONS by Shelley Callaghan | Aug 27, 2014 A recent Federal Reserve Board consumer survey found many current renters would rather be homeowners. However, 45% of renters aren’t looking to buy because they don’t think they can come up with the necessary down payment. And 29% believe they simply wouldn’t qualify for a mortgage. 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