Underwriting Guide and summaries

Our Underwriting Guide (UWG) provides the policy, procedures and guidelines we use to evaluate loans for mortgage insurance. On a case-by-case basis, we'll consider insuring loans that don’t meet requirements stated in our Guide.

Changes throughout the Guide are indicated in magenta. The following changes include those announced in our National Underwriting Bulletin #01-2026 on June 25, 2026.

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Underwriting Summaries:

Questions? Go to mgic.com/contact.

Questions?

Contact Underwriting Operations, mgic.com/uwoffice.

Additional resources

Construction-permanent loans

This piece explains your options for handling construction-permanent financing. Refer to our Guide for full details.

Rescission Relief Guide

See details and requirements of our Gold Cert coverage, including early rescission relief options.

Origination File Document Checklist

Use this checklist to compile your complete loan Origination File.

FHFA conforming loan limits

The Federal Housing Finance Agency restricts Fannie Mae and Freddie Mac to purchasing single-family mortgages with origination balances below a specific amount, known as the “conforming loan limit.” This FHFA web page provides those limits by county.

MGIC Rescission Relief Guide

Learn more about our Gold Cert Coverage for rescission relief.

Underwriting bulletins & news

View recently published bulletins and news announcements pertaining to our underwriting requirements.

Contact your MGIC account representative

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