Rate &
Guideline
Changes
Last Updated
April 24th, 2008
 
New!
Quick Reference Underwriting Guideline Summary


Rates

Current Rate Cards (As of April, 2008)

The rate cards above are approved for all states except the following:

New York Rates

Triad Guaranty is introducing revised Rate Cards that reflect our most recent guideline changes.

New York Property Restrictions
  • A New York property cannot be insured unless the loan-to-value (LTV), calculated by dividing the loan amount by the appraised value, is 80% or greater.
  • Loans with scheduled or potential negative amortization are not insurable.
  • "Skip payment" loan programs, such as Fannie Mae's Timely Payment Reward®, are not insurable.
  • The maximum LTV for properties, other than co-ops, is 103%. Co-ops are limited to 100%.
Once you determine that your loan is insurable, please consult your Triad premium rate schedule to determine the appropriate LTV (loan amount divided by the lower of purchase price or appraised value), coverage and rate for your New York property.

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Washington Rates

All Guideline Changes made since September 2007 apply.

Washington State Credit Union Rates

Contact Triad Guaranty at compliance@tgic.com for other Washington State rates.

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Credit Union Rates

All Guideline Changes made since September 2007 apply .

States approved for the November 2004 Credit Union Rate Changes use these rates.

States not approved for the November 2004 Credit Union Rate Changes use these rates

Credit Union rates are not available in
Alaska
Kansas
Mississippi
Montana
New York
North Dakota
Washington - Use Washington State Credit Rates

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