Benefits of Mortgage Insurance

Due to its credit protection features, MI extends home ownership opportunities to consumers by enabling house purchase with lower deposits. Since lenders are protected from credit losses they are more likely to lend to consumers with lower deposits.

In addition, MI from a highly rated mortgage insurance company, such as Genworth Financial, can facilitate the sale of High Loan To Value portfolios on the secondary market.

Benefits to Lenders & Investors

The Loan To Value (LTV) ratio of a mortgage 'is a significant indicator of probability of default. The higher the LTV, the higher the probability of default. MI can mitigate against this risk and help you grow.

• GROWTH:  Participate more fully in the higher LTV end of the market, thereby securing more borrowers 
  


• FUNDING FLEXIBILITY:  Enhance the quality of mortgage backed securities and mortgage bonds 
  


• CAPITAL EFFICIENCY:  Potential to reduce economic capital held against High Loan To Value mortgages