Archives

Standard Rates

Rates – Effective January 14, 2019
State Availability Rate Chart

Rates – Effective December 31, 2018
State Availability Rate Chart

Rates – Effective November 19, 2018
State Availability Rate Chart
BPMI Non-Refundable
BPMI Refundable Single
BPMI Monthly Rates
BPMI Split Premiums
LPMI Singles

Rates – Effective August 20, 2018
State Availability Rate Chart

Rates – Effective August 13, 2018
State Availability Rate Chart

Rates – Effective August 6, 2018
State Availability Rate Chart
Borrower-Paid Refundable Single Rates
LPMI Single Rates
Split Premium Rate

Rates – Effective July 30, 2018
State Availability Rate Chart

Rates – Effective June 18, 2018
State Availability Rate Chart
Borrower-Paid Non-Refundable Single Rates
Borrower-Paid/Lender-Paid Monthly Rates

Rates – Effective February 5, 2018
State Availability Rate Chart

Rates – Effective January 30, 2018
State Availability Rate Chart

Rates – Effective January 18, 2018
State Availability Rate Chart

Rates – Effective January 10, 2018
State Availability Rate Chart

Rates – Effective January 5, 2018
State Availability Rate Chart

Rates – Effective January 1, 2018
State Availability Rate Chart

Rates – Effective December 26, 2017
State Availability Rate Chart

Rates - Effective December 18, 2017
Borrower-Paid/Lender-Paid Monthly Rates

Rates – Effective November 2, 2017
State Availability Rate Chart

Rates – Effective October 30, 2017
State Availability Rate Chart

Rates – Effective October 3, 2017
State Availability Rate Chart

Rates – Effective September 18, 2017
State Availability Rate Chart
BPMI Split Premiums
BPMI Refundable Single Rates
BPMI Non-Refundable Single Rates
BPMI Monthly Rates

Rates – Effective August 22, 2017
State Availability Rate Chart

Rates – Effective May 31, 2017
Borrower-Paid/Lender-Paid Monthly Rates
LPMI Single Rates
State Availability Rate Chart

Rates – Effective January 23, 2017
Borrower-Paid Single Rates
Split Premiums
State Availability Rate Chart

Rates – Effective April 21, 2016
State Availability Rate Chart

Rates – Effective April 4, 2016
BPMI Monthly Rates
BPMI Single Rates
LPMI Single Rates

Rates – Effective November 16, 2015
BPMI Non-Refundable Rates
BPMI Single Refundable Rates
State Availability Rate Chart
LPMI Single Rates
LPMI Monthly Rates
Split Premiums

Rates – Effective June 22, 2015
LPMI Single Rates (WA ONLY)

Rates – Effective December 15, 2014
BPMI Non-Refundable Rate Card
LPMI Monthly Rate Card
LPMI Single Rate Card
Single Refundable Rate Card
Split Premiums

Rates – Effective May 5, 2014
BPMI Non-Refundable Rates (except WA) - 5/5/14
BPMI Refundable Singles Rates (except WA) - 5/5/14
LPMI Monthly Rates (except WA) - 5/5/14
LPMI Single Rates (except WA) - 9/15/14
Split Premiums (except WA) - 5/5/14

Rates – Effective December 16, 2013
BPMI Non-Refundable Rates
BPMI Refundable Singles Rates
LPMI Rates
BPMI Non-Refundable Rates (WA Only)
LPMI Rates (WA Only)

Rates – Effective October 21, 2013
BPMI Refundable Singles Rates
BPMI Non-Refundable Rates
LPMI Rates
BPMI Refundable Singles (WA Only)

Rates – Effective April 15, 2013
LPMI Rates
BPMI Rates

Rates – Effective January 3, 2013
Note: Due to our expanded underwriting guidelines, Essent’s rate cards have been updated to reflect rates in the 680-719 credit tier for LTV ratios of 95.01-97%. No previously published rates have changed. Additional rates and coverage levels not found on our rate cards may also be available and can be found using our convenient Rate Finder.

BPMI Rates
LPMI Rates

Rates – Effective May 14, 2012
BPMI Rates
LPMI Rates

Rates – Effective August 15, 2011
Borrower Paid Monthly Rates
Borrower Paid Single Non-Refundable Rates
Borrower Paid Single Refundable Rates
Lender Paid Monthly Rates
Lender Paid Singles

Rates – Effective March 25, 2011
Borrower Paid Monthly Rates
Borrower Paid Singles
Lender Paid Monthly Rates
Lender Paid Singles

 

Policy Forms

Default and Claims Servicing Guide – Effective July 8 2016
Default and Claims Servicing Guide - Effective 7/8/16

Enhanced Clarity of Coverage – Effective January 28 2016
Enhanced Clarity of Coverage - Effective 1/28/16

Client Services Guide – Effective August 2015
Client Services Guide - Effective August 2015

Master Policy & Endorsements – Effective 2011
Master Policy - Effective 2011
Non-Delegated with Clarity of Coverage Endorsement - Effective 2011
Delegated with Clarity of Coverage Endorsement - Effective 2011
Financed Premium Endorsement - Effective 2011

 

Guidelines

Underwriting Guidelines - Effective November 19, 2018
C2C Guideline Summary
Affordable Housing / HFA Guideline Summary
Underwriting Guideline Manual

Underwriting Guidelines - Effective September 17, 2018
Doctor/Professional Loan Product Eligibility Matrix
Underwriting Guideline Manual

Underwriting Guidelines - Effective March 12, 2018
C2C Guideline Summary
Affordable Housing / HFA Guideline Summary
Underwriting Guideline Manual

Underwriting Guidelines - Effective December 4, 2017
Loan Amounts > FHFA Max Guideline Summary

Underwriting Guidelines – Effective December 4, 2017
Affordable Housing / HFA Guideline Summary
C2C Guidelines Summary
Underwriting Guideline Manual

Underwriting Guidelines – Effective September 18, 2017
Affordable Housing / HFA Guideline Summary
C2C Guidelines Summary
Doctor/Professional Loan Guideline Summary
Loan Amounts > FHFA Max Guideline Summary Manual Underwriting Guideline Summary
Underwriting Guideline Manual

Underwriting Guidelines – Effective January 23, 2017
Affordable Housing / HFA Guideline Summary
Clear2Close Guideline Summary
Manual Underwriting Guideline Summary
Underwriting Guideline Manual

Underwriting Guidelines – Effective November 16, 2016
Loan Amounts > FHFA Max Guideline Summary

Underwriting Guidelines – Effective September 26, 2016
Clear2Close
Underwriting Guideline Manual

Underwriting Guidelines – Effective December 14, 2015
Affordable Housing / HFA Guideline Summary
Underwriting Guideline Manual
C2C Guideline Summary

Underwriting Guidelines – Effective November 16, 2015
C2C Guidelines Summary
Underwriting Guideline Manual
Manual Underwriting Guideline Summary
Loan Amounts > FHFA Max Guideline Summary

Underwriting Guidelines – Effective December 15, 2014
Affordable Housing / HFA Guideline Summary
C2C Guidelines Summary
Loan Amounts > FHFA Max Guideline Summary
Manual Underwriting Guideline Summary
Underwriting Guidelines Manual

Underwriting Guidelines – Effective June 2, 2014
Underwriting Guidelines Manual
Loan Amounts > FHFA Max Guideline Summary

Underwriting Guidelines – Effective May 5, 2014
Clear2Close Guideline Summary
Manual Underwriting Guideline Summary
Affordable Housing Guideline Summary

Underwriting Guidelines – Effective October 21, 2013
Underwriting Guidelines Manual
Clear2Close Guideline Summary
Manual Underwriting Guideline Summary
Loan Amounts > FHFA Max Guideline Summary
Affordable Housing Guideline Summary

Underwriting Guidelines – Effective April 15, 2013
Underwriting Guidelines Manual
Clear2Close Guideline Summary
Manual Underwriting Guideline Summary
Loan Amounts > FHFA Max Guideline Summary

Underwriting Guidelines – Effective March 18, 2013
Underwriting Guidelines Manual
Clear2Close Guideline Summary
Manual Underwriting Guideline Summary
Loan Amounts > FHFA Max Guideline Summary

Underwriting Guidelines – Effective January 3, 2013
Underwriting Guidelines Manual
Clear2Close Guideline Summary
Manual Underwriting Guideline Summary
Loan Amounts > FHFA Max Guideline Summary

Underwriting Guidelines – Effective July 6, 2012
Underwriting Manual
DU/LP Guideline Summary
Manual Underwriting Guideline Summary
Loan Amounts > FHFA Max Guideline Summary

Underwriting Guidelines – Effective May 14, 2012
Underwriting Manual
DU/LP Guideline Summary
Manual Underwriting Guideline Summary
Loan Amounts > FHFA Max Guideline Summary

Underwriting Guidelines – Effective February 13, 2012
Underwriting Manual
Retail Underwriting Guideline Summary
Non-Retail Underwriting Guideline Summary

Underwriting Guidelines – Effective December 12, 2011
Underwriting Manual
Underwriting Guidelines Summary

Underwriting Guidelines – Effective March 25, 2011
Underwriting Guidelines Summary
Underwriting Manual