U/W & Rate Bulletins

MGIC bulletins announce changes to our underwriting guidelines and/or rates. Sign up for e-mail alerts.

Bulletins are provided in PDF format.

2011 Bulletins

Number	Date	Topics, (effective dates)
01-2012	01/09/12	Announces underwriting requirement changes to ARMS; nontraditional credit; small condo projects; & the Non-HARP Refi-to-Mod programs (01/16/12).
05-2011	11/18/11	Announces MGIC's new HARP RTM program (12/01/11).
04-2011	10/21/11	Announces underwriting changes to nonrestricted markets and reduces the number of market tiers from 3 to 2 (11/01/11).
03-2011	08/25/11	Announces changes to loans > $625,000; second homes; and refinances that pay off nonpurchase money seconds (08/29/11).
02-2011	04/29/11	Announces changes to restricted markets and two underwriting changes: 1. loans with traditional and nontraditional credit and 2. "subject to completion" appraisals (05/02/11).
01-2011	02/17/11	Announces a change with regard to gift acceptability to meet the Minimum Borrower Contribution in nonrestricted markets.

2010 Bulletins

Number	Date	Topics, (effective dates)
07-2010	11/29/10	DTI, S/T Appraisals, Property Flips & Tier Two credit scores (12/01/10). ARM qualifying rates (01/01/11).
06-2010	10/28/10	Removes the First-Time Homebuyer requirement for 97% LTV loans (11/01/10)
05-2010	09/20/10	Announces increase in FL premium assessment (01/01/11)
04-2010	08/10/10	Announces changes to our R & T Refinance Policy (08/11/10)
03-2010	06/22/10	Announcing Credit-Tiered rates approval in MO, OH, and VA (08/01/10)
02-2010	04/23/10	Nonretail Guidelines expanded to match Retail, underwriting changes and Restricted Market changes (05/01/10)
01-2010	02/22/10	Underwriting changes, Restricted Market changes and new premium structure announced (03/08/10, 03/22/10, and 05/01/10)