HFA Partners

Essent is an approved mortgage insurance (MI) provider with housing finance agencies (HFA) across the country. Together, we are delivering innovative solutions for affordable homeownership.

An HFA Loan With Essent MI Offers Borrowers:

  • Flexible funding options for down payment and closing costs
  • MI for credit scores as low as 620, LTVs up to 97% and CLTVs up to 105%
  • Free homebuyer education counseling based on HFA requirements1
  • Flexible MI options (BPMI Monthly, BPMI Single, Split Premium)

1 Availability may change without notice and other limitations may apply.

We're Here to Support You and Your Community.


Learn how loan programs from your state HFA and Essent MI can help make homeownership more affordable for your borrowers.


Find Your Local Relationship Manager ⟶

Meet Our HFA Liaisons.
Eastern HFAs Western HFAs
albert.martinez@essent.us todd.bushy@essent.us

Meet Albert Martinez

Meet Todd Bushy

Learn How You Can Become an Approved Lender With Your State HFA.

We're Proud to Partner With Our HFA Partners & Lenders. Let's Work Together!

Interested in learning more about how we can work together? Complete the form and one of our representatives will reach out to you.

Sustainability At Essent

At Essent, our mission is to serve as a trusted, best-in-class partner to the housing finance industry by responsibly offering mortgage insurance, reinsurance and risk management products to mortgage lenders and investors. Together we support affordable and sustainable homeownership.

MI Basics

Learn how private mortgage insurance works and the benefits to lenders and borrowers.

ESSENT News & Announcements

View All News

Essent Announces Enhanced Integration with PMI Rate Pro to Support EssentEDGE Pricing
Essent Group Ltd. Announces First Quarter 2024 Results and Declares Quarterly Dividend
Essent Group Ltd. Schedules First Quarter Earnings Conference Call for May 3, 2024
Introducing EssentFLEX: Essent's New Flexible BPMI Product