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Results from search: http://www.privatemi.com/
Mortgage Insurance Companies of America (MICA). PrivateMI
You dream of owning a home someday. Why not sooner? Private mortgage insurance can make it a reality. Ask your lender about PrivateMI today. Because the sooner you get in the door, the sooner you start living your dream.
The PrivateMI Equation: 10 Percent Down, 10 Percent for Renovations Unlike many young couples, when Kim and James
Cavanaugh decided to trade in their rented townhouse in
Annapolis for a home in Arnold, Maryland, coming up
with the down payment was easy: They had saved money
during the years they worked on pleasure boats in the
Caribbean because most of their living expenses had
been covered.
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While it guarantees much more, a PrivateMI payment is comparable to most homebuyers':
average cable bill
average electricity bill
average gas bill
average heating bill
How much sooner can I buy a home using PrivateMI with little or no money down versus 20%?
How much more house can I afford with PrivateMI?
PrivateMI or Piggyback Loan: Which is better for me?
How long will it take before I can cancel my PrivateMI?
How can I grow my wealth with PrivateMI?
© Mortgage Insurance Companies of America (MICA), Washington, DC, 2000. All Rights Reserved. This information is intended for the sole use of the recipient and may not be reproduced or transmitted, in whole or in part, without the prior written consent of MICA. Read the MICA content usage requirements .
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Expanded LTVs in NJ, MO, KS and ID RMIC is pleased to announce the expansion of insurable maximum LTV ratios in four states: New Jersey, Missouri, Kansas and Idaho. EXPAND HOME OWNERSHIP OPPORTUNITIES This change will allow lenders to qualify more borrowers for home ownership by providing mortgage insurance on loans with the following expanded LTV ratios: New Jersey : Up to 100%; Effective date: June 10, 2002 Idaho and Kansas : Up to 103%; Effective date: July 1, 2002 Missouri : Up to 103%; Effective date: Pending approval by Governor Holden Use this link for more information on the affected rates or contact your RMIC Account Manager for more information. Click here for Release Notes
02.05.02 - RMIC Mortgage Insurance Products Available on eMagic
WINSTON-SALEM, NC, February 5, 2002 - Republic Mortgage Insurance Company (RMIC) has implemented availability of a select menu of its mortgage
12.10.01 - FREE Mortgage Guides Sponsored by RMIC
FREE MORTGAGE GUIDES SPONSORED BY RMIC
Get immediate access to the most up to date underwriting guidelines, forms, legal and compliance info
10.24.01 - RealtyLogix Announces Realty RiskPro
Atlanta - October 24, 2001 - RealtyLogixT, a software solutions provider to the Commercial Real Estate lending industry, announced today the l
07.09.01 - New ELS 5.0 Provides More Control and Faster Answers
Winston-Salem, North Carolina, July 9th, 2001 -- RMIC announced a major upgrade to its Electronic Loan Sumbission (ELS) system. The upgraded ve
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Contact RMIC at (800) 999-7642 with any questions or for further information.
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Results from search: http://www.pmigroup.com/
Welcome to The PMI Group, Inc. site
| About PMI | PMI MIC | Global Business | e-PMI | Corporate Family | Investor Relations | Newsroom | Employment |
Words to our Webmaster . Last updated April 30, 2002
Copyright © 2002 The PMI Group, Inc.
All rights reserved.
PMI Web Site Terms of Use .
PMI Privacy Policy .
About The PMI Group, Inc.
The PMI Group, Inc. (NYSE: PMI ) is headquartered in California. Through its subsidiaries PMI is one of the largest private mortgage insurers in the United States, Australia, New Zealand, and the European Union, as well as the largest mortgage guaranty reinsurer in Hong Kong. PMI is a leader in mortgage risk management technology providing various products and services for the home mortgage finance industry as well as title insurance.
Private mortgage insurance protects mortgage lenders against potential losses in the event of borrower default. By covering default risk on residential first mortgage loans, mortgage insurance facilitates the sale of low downpayment mortgages in the secondary mortgage market. In addition, private mortgage insurance expands homeownership opportunities by enabling borrowers to purchase homes with downpayments of less than 20 percent.
More about The PMI Group, Inc. and PMI Mortgage Insurance Co .
To contact our corporate headquarters, please click here . To locate your local PMI office in the United States, click here .
Headquartered in San Francisco, PMI Mortgage Insurance Co. is one of the largest mortgage insurers in the United States. In addition, PMI Mortgage Insurance Co. provides mortgage guaranty reinsurance in Hong Kong and, through a subsidiary, private mortgage insurance in Australia and New Zealand. PMI also recently opened a sales and marketing office in Europe to insure residential mortgage loans within the European Union.
PMI together with its parent company, The PMI Group, Inc. (NYSE: PMI ), and its corporate affiliates, is a leader in risk management technology, and provides various products and services for the home mortgage finance industry, as well as title insurance.
Hong Kong
Australia / New Zealand
Europe
PMI's new, state-of-the-art Internet tool provides lenders, brokers and correspondents with immediate access to our products and services. Order an MI certificate in just seconds!
e-PMI Features
Originates MI entirely online
Accepts Desktop Underwriter ® files from LOS
Delivers MI information in secure encrypted files
Works with a standard browser and operating system
e-PMI Benefits
Reduces paperwork, phone calls and faxes
Minimizes data entry errors
Easy to use
No need for additional software or training
Sensitive information is secure
The PMI Group, Inc., through its subsidiary, PMI Mortgage Insurance Co. ( PMI ), provides mortgage insurance that protects lenders against potential losses in the event of borrower default. Other subsidiaries include:
PMI Mortgage Insurance Ltd. ( PMI Australia )
American Pioneer Title Insurance Company ( APTIC )
CMG Mortgage Insurance Company ( CMG )
RAM Reinsurance Company Ltd. (Ram Re)
For more information on our subsidiaries, click here .
In addition, The PMI Group, Inc., provides mortgage guaranty reinsurance in Hong Kong.
The PMI Group, Inc. is publicly traded on the New York Stock Exchange under the ticker symbol PMI . Click on Investor Relations button to learn more about The PMI Group, Inc., request investor information, view recent financials, and access other company news and information.
Link to First Quarter Earnings Release Slides/Audio.
PMI offers competitive salaries, excellent benefits including medical, dental and vision insurance, a 401(k) plan, employee stock purchase plan and a comfortable working environment. PMI is an equal opportunity employer.
Click button for job postings and descriptions.
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To enter the Photo Gallery, you must call Virginia Tracy at 888.671.4764 or send e-mail to obtain password clearance. Please provide name, phone number, title, and press company you are associated with.
Corporate Profile
Corporate Presentation
Analyst Investor Conference 2001
2001 Third Quarter Conference Call
Press Kit
Affordable Housing [Adobe Acrobat PDF - 1.4 MB]
Corporate Profile [Link]
Q & A Brochure [Adobe Acrobat PDF - 315 KB]
Results from search: http://www.ftc.gov/bcp/conline/pubs/alerts/pmialrt.htm
Cancellation of Private Mortgage Insurance: Federal Law May Save You Hundreds of
Dollars Each Year
FTC
Consumer Alert!
Cancellation
of Private Mortgage Insurance:
Federal Law May Save You
Hundreds of Dollars Each Year
If you put less than 20 percent down on a home mortgage, lenders often require you to
have Private Mortgage Insurance (PMI). PMI protects the lender if you default on the loan.
The Homeowners Protection Act of 1998 - which became effective in 1999 - establishes rules
for automatic termination and borrower cancellation of PMI on home mortgages. These
protections apply to certain home mortgages signed on or after July 29, 1999 for the
purchase, initial construction, or refinance of a single-family home. These protections do
not apply to government-insured FHA or VA loans or to loans with lender-paid
PMI.
For home mortgages signed on or after July 29, 1999, your PMI must - with
certain exceptions - be terminated automatically when you reach 22 percent equity in your
home based on the original property value, if your mortgage payments are current. Your PMI
also can be canceled, when you request - with certain exceptions - when you reach 20
percent equity in your home based on the original property value, if your mortgage
payments are current.
One exception is if your loan is "high-risk." Another is if you have not been
current on your payments within the year prior to the time for termination or
cancellation. A third is if you have other liens on your property. For these loans, your
PMI may continue. Ask your lender or mortgage servicer (a company that collects your
payments) for more information about these requirements.
If you signed your mortgage before July 29, 1999, you can ask to have the PMI
canceled once you exceed 20 percent equity in your home. But federal law does not require
your lender or mortgage servicer to cancel the insurance.
On a $100,000 loan with 10 percent down ($10,000), PMI might cost you $40 a month. If
you can cancel the PMI, you can save $480 a year and many thousands of dollars over the
loan. Check your annual escrow account statement or call your lender to find out exactly
how much PMI is costing you each year.
Additional provisions in the law
New borrowers covered by the law must be told - at closing and once a year - about PMI
termination and cancellation.
Mortgage servicers must provide a telephone number for all their mortgage borrowers to
call for information about termination and cancellation of PMI.
Even though the law's termination and cancellation rights do not cover loans that were
signed before July 29, 1999, or loans with lender-paid PMI signed on any date, lenders or
mortgage servicers must tell borrowers about the termination or cancellation rights they
may otherwise have under those loans (such as rights established by the contract or state
law).
Next Steps
Some states may have laws that apply to early termination or cancellation of PMI - even
if you signed your mortgage before July 29, 1999. Call your state consumer protection
agency for more information about your state's rules. Fannie Mae and Freddie Mac, which
buy home mortgages from lenders, also may have guidelines affecting termination or
cancellation of PMI on home mortgages signed before July 29, 1999. Check with your lender
or mortgage servicer, or call Fannie Mae or Freddie Mac, for more information.
Contact your lender or mortgage servicer to learn whether you're paying PMI. If you
are, ask how and when it can be terminated or canceled.
For More Information
The FTC works for the consumer to
prevent fraudulent, deceptive and unfair business practices in the
marketplace and to provide information to help consumers spot, stop and
avoid them. To file a complaint or to get free
information on consumer issues , call
toll-free, 1-877-FTC-HELP (1-877-382-4357) ,
or use the online complaint form .
The FTC enters Internet, telemarketing, identity theft and other
fraud-related complaints into Consumer Sentinel ,
a secure, online database available to hundreds of civil and criminal law
enforcement agencies in the U.S. and abroad.
FEDERAL TRADE COMMISSION
FOR THE CONSUMER
1-877-FTC-HELP
www.ftc.gov
July 2000
Results from search: http://www.micanews.com/
Mortgage Insurance Companies of America (MICA). MicaNews Main Page
The Mortgage Insurance Companies of America represents the private mortgage insurance industry. MICA provides information on related legislative and regulatory issues, and strives to enhance understanding of the vital role PrivateMI plays in housing Americans.
PrivateMI Helps More Families Achieve Homeownership in March PrivateMI Industry Launches Spanish-Language Web Site to Boost Hispanic Homeownership MICA Helps Consumers Seeking to Cancel PrivateMI
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Is PrivateMI a good choice for you? Use these online calculators to get an answer immediately.
Realty Times
Realty Times offers both news and advice-news briefs, real estate guides and regular columns.
The Hill
The Hill is a non-partisan, non-ideological newspaper that describes the inner workings of Congress. Roll Call
Roll Call is another great source for daily news from the Hill.
© Mortgage Insurance Companies of America (MICA), Washington, DC, 2000. All Rights Reserved. This information is intended for the sole use of the recipient and may not be reproduced or transmitted, in whole or in part, without the prior written consent of MICA. Read the MICA content usage requirements .
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Understanding Private Mortgage Insurance
The Library
"Understanding Private Mortgage Insurance" is one of many informational
pamphlets produced by the Mortgage Guaranty
Insurance Corporation. It is posted here with their generous
permission.
Understanding Private Mortgage Insurance
Relative to the growth in home prices over the last quarter century,
Americans are earning less and, as a result, saving less. This means
young families today are having to wait longer than their parents and
grandparents before clearing that great barrier to homeownership -- the
down payment.
For these young families, low down payment home mortgages -- loans
with less than 20 percent down payments -- offer an opportunity to
shorten that wait. As such, their popularity has boomed. The government
reports that in 1994 nearly one of every two homebuyers obtained a low
down payment loan; and many of them used private mortgage insurance
(MI) to realize their homeownership dream.
Still, confusion about the role of private MI abounds. "What is it?"
and "What does it do for me?" are questions typically asked by
consumers. Private MI enhances a borrower's ability to attain a
homeownership situation that is right for them. Not only can private MI
help put people in homes, but it can help put people in homes in which
they want to live.
Lenders require private MI on most conventional mortgages because
experience reveals a strong correlation between borrower equity and
default. The less money a borrower has invested in a home, the greater
the probability of default. Thus, private MI is a financial guaranty
that protects lenders against loss in the event that a borrower
defaults. Without that financial guaranty, lenders will typically
require a down payment of at least 20 percent.
A recent Chicago Title and Trust study notes that first-time
homebuyers in 1994 spent three years saving for a down payment before
buying. And when they finally did buy, the average down payment was
13.7 percent. Had they gone without mortgage insurance and saved for
the requisite 20 percent down payment, these first-timers would have
been renting for a minimum of four-and-a-half more years. On the
flipside, had they been willing to put only five percent down, they
could have realized their homeownership dream in just over a year.
By waiting and going with mortgage insurance, though, these
first-timers increased their buying power. For example, $5,000 is equal
to a 10 percent down payment on a $50,000 home; but it is also
sufficient for a five percent down payment on a $100,000 home. Another
scenario: $10,000 may constitute a 20 percent down payment on a $50,000
home; but it can also provide enough financial leverage to help
qualifying borrowers buy a $200,000 home with only five percent down.
This is the value of private mortgage insurance -- it is the reason
so many young families today can afford homeownership despite earning
and saving relatively less than their parents.
Unfortunately, some people continue to confuse private mortgage
insurance with mortgage life insurance. Private mortgage insurance puts
people in homes; mortgage life insurance pays all or a portion of your
mortgage in the event of your death.
Consumers who understand this difference, understand how private MI
enhances their ability to realize their dream of homeownership.
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