• LOAN ORIGINATION – MortgageGuardian is an attractive value-added marketing tool that will assist your retail loan officers. Realtors and Builders are also drawn to lenders who can add value to their sale.

It adds ‘Consumer Confidence’!

• SECONDARY MARKET – MortgageGuardian is a valuable Credit Enhancement product for Investors. A layer of protection provides additional security to a very real threat… delinquent payments due to loss of employment income which could threaten the overall security of the portfolio.

• SERVICING - MortgageGuardian is an essential Risk Management and Loss Mitigation vehicle where delinquencies are minimized, legal costs lowered, work-outs avoided, and cash flow is less compromised. Servicers with large percentages of theirs loans with this protection should explore the possibility of lowering loan reserves.

As a credit enhancement, MortgageGuardian adds a layer of security to insure that portfolios with product depth continue to perform by providing payments to the servicer/investor if the accountholder becomes involuntarily unemployed. As a loss mitigation tool, MortgageGuardian can sharply lower delinquency and default costs associated with loan curing and workouts.