Radian's GSE Refinance Modification Program

We proudly support the Government-Sponsored Enterprise (GSE) efforts to assist existing homeowners with performing loans who do not qualify for standard refinance programs due to high loan-to-value ratios.

Refinances Closed On or After January 1, 2019

Radian can provide insurance coverage for Radian-insured loans under Fannie Mae’s High LTV Refinance Option and Freddie Mac’s Enhanced Relief Refinance℠ programs. These GSE refinance programs help homeowners with performing loans who don’t qualify for standard refinance programs due to high loan-to-value ratios.

Notification Help

To expedite the notification process, we’ve included some helpful information below.

Modification Program

See the policy on the GSE Refinance Modification Program.

Modification Program FAQs

Get answers on common GSE Refinance Modification Program questions.

Notification Quick Guide

See the highlights of the Notification of MI Modification Form.

Notification Form

Get the Notification of MI Modification form.

Underwriting Guidelines

See our current published underwriting guidelines.

Documentation Guidance

Eligible for GSE Refinance Program? Servicer Radian Guidance Certificate MI Rate Factor/Coverage Percentage Documentation Required
Yes  Same/New GSE Refinance Modification Program Policy (see above) Certificate of Insurance Endorsement for Loan Modification Original rate factor and coverage percentage Notification of Mortgage Insurance Modification (see above)
No
Same/New Current Published Underwriting Guidelines (see above) New Certificate of Insurance Current published rate factor and requested coverage percentage Loan application requirements as per Radian’s standard delegated and non-delegated submission methods