Why National MI

See what National MI has to offer:


National MI began with a promise to restore trust in the mortgage industry.  We are keeping that promise. We move MI forward through innovation, take a straightforward approach to both our products and practices to ensure lenders’ confidence in the loans they place with us, and treat every customer as if they are our only customer.  We’ve established credibility in the industry by building a strong company with no legacy risk, demonstrating a track record of performance and growth, and delivering innovative mortgage solutions that are clear and concise.  We help more people realize the dream of getting into a home, which contributes to the revitalization of our economy and residential communities.

Moving MI Forward

  • Pioneering 12 month rescission relief: Rescission relief after 12 timely borrower payments, providing peace of mind and certainty of coverage to lenders.
  • Offering the best terms of coverage: Unsurpassed investigation relief and appraisal overstatement protection – for no surprises.
  • Pledging a sensible and fair underwriting approach: A Sensible Servicing approach in which we commit to an intention not to investigate and rescind coverage by considering “life events.”
  • Putting customers first, always: Built to pay claims and committed to doing the right thing for our customers.
Financial Strength and the Distinct Value of National MI’s Certificate:

New, privately funded capital to deploy in the market.

Our Unique Differentiators Benefits To You
Financial Strength & Capacity
A Desire to Deploy Capital
  • Raised $550 million of unencumbered capital
  • Solely forward-focused; well positioned to deploy capital
  • Undistracted by rescissions and claims
  • FHA continues to reduce its insurance capacity
  • Flexibility to meet your needs
  • Easy to work with
  • Focused on forward-production
  • Able to support origination production goals
  • Implemented clear and fair business practices
  • Providing predictable and understandable risk decisions

National MI Certificate Distinction

Financial Strength and Capacity
  • National MI raised $550 million of unencumbered capital
Focused on Your Production Needs
  • National MI provides a higher degree of confidence so you can feel comfortable utilizing your delegated authority
Trusted Partnership
  • Straightforward and transparent Master Policy terms
  • Clear and thorough review of underwriting backed by high-quality standards minimizes buybacks and loan manufacturing defects
Facilitating Home Ownership
  • Injecting private capital to meet homeownership needs in the American mortgage market

Solely forward-focused and poised to write new business

National MI seeks to restore confidence in the private mortgage insurance industry.

National MI SafeGuard® – Moving MI Forward: Certainty of Coverage After 12 Months

Our Unique Differentiators Benefits To Our Clients
Shorter Path to Coverage Certainty in 12 Months
Transparency of Coverage
  • Honest and common-sense business approach
  • Our unique master policy reflects clear terms and conditions of coverage
  • Superior coverage: After 12 months, (1)(2) National MI will not rescind or deny insurance coverage
  • No surprises; no loopholes

Willing and Able to Pay Claims

We are well-capitalized and will be there to pay your claims. With National MI SafeGuard® coverage, your claim will not be rescinded or denied provided that the borrower makes just 12 consecutive, timely payments* — half the time than the industry standard.

1Reflects 12 months of consecutive, timely borrower payments (from borrower’s own funds).
2Please refer to National MI’s Master Policy for additional coverage details.


National MI TrueInsight® – Confidence You Can Rely On: Underwriting Approach
Our Unique Differentiators Benefits To Our Clients
An Innovative Underwriting Approach
Non-Delegated and Delegated: Same Pricing, Guidelines and Coverage Delegated Assurance Review:

  • Second set of eyes to review every loan
  • Upfront, efficient underwriting feedback
  • More thorough, upfront review
  • Provides a clear line of sight to each insured loan
  • Enhances confidence of loan eligibility and coverage
  • Potential to reduces buybacks
  • Controls loan manufacturing defects
  • Empowers lenders to select the Non-Delegated and Delegated underwriting approach that fits best with their business practices
  • Same pricing and guidelines for Non-Delegated and Delegated Channels.
  • Gain the confidence of a second pair set of eyes with ATR Confidence.
  • Stay ahead of the curve with our Delegated Assurance Review. Allows upfront quality controls in the loan manufacturing process.
National MI TrueGuide® – Where Common Sense Resides: Straightforward Guidelines
Our Unique Differentiators Benefits To Our Clients
Maximize Business Efficiencies
Flexible and
  • Clear guidelines with National MI TrueGuide®
  • Competitive pricing
  • Account-based service teams
  • Single-system visibility throughout lifecycle of MI certificate
  • Grow loan volume with National MI’s DU/LP Jumbo Loans program.
  • Get more savings and purchasing power with National MI. A better alternative to FHA.
National MI AXIS – Relentlessly Reliable: Advanced Exchange & Information System
Our Unique Differentiators Benefits To Our Clients
Advanced Online MI Platform
Transactional Ease of Use
  • Backed by a progressive online system and a dedicated team of experts to support your business

*Previously, National MI was the only MI company to offer rescission relief after 18 months, this period has been condensed to 12 months. Please refer to National MI’s Underwriting Guideline Manual and Master Policy for a complete description of policies and requirements.