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HARP loans and non-HARP loans

Submit HARP loans and non-HARP loans using our Refi-to-Mod (RTM) program, which allows you to originate a new loan through refinancing while we process it as a modification, keeping existing MI coverage intact.

The program is open to all MGIC-insured loans with standard primary coverage, including:

  • Loans qualified for US Treasury HARP programs, including Fannie Mae’s Home Affordable Refinance Options and Freddie Mac’s Relief Refinance MortgagesSM
  • When either Agency announces changes to its program requirements, the changes also apply to our RTM program, unless we provide separate notice that limits their changes
  • Loans not owned or guaranteed by Fannie Mae or Freddie Mac

Is your loan insured by MGIC?

Login to check whether a loan is MGIC-insured. (Sign up if you need a user ID and password.)

In the Loan Center main menu, select Resources > Check if MGIC-insured.

Submit qualified MGIC-insured HARP and non-HARP RTM loans through the Loan Center or via fax. Regardless of how you submit a loan, you can follow its progress on the Loan Center.

Submit online via the Loan Center

Login to submit HARP and non-HARP RTM loan modifications to the Loan Center. Need a user ID and password? Sign up here.

Once you submit a loan, follow up on its progress on the Loan Center.

HARP

  • For automated processing with 24-hour turnaround, enter data to complete the online RTM request form
  • For manual processing, upload electronic loan file documents, including the 1003, 1008 and HARP RTM request form

Learn more about submitting HARP modification data for automated processing.

Non-HARP, same insured/servicer

  • For automated processing with 24-hour turnaround, enter data to complete the online RTM request form
  • For manual processing, upload electronic loan file documents, including the 1003, 1008 and Same Insured/Servicer RTM request form

Learn more about submitting Non-HARP, same insured/servicer modification data for automated processing.

Learn more about submitting Non-HARP, same insured/servicer modification documents for manual processing.

Non-HARP, new insured/servicer

Learn more about submitting Non-HARP, new insured/servicer modification documents for manual processing.

Submit via fax

HARP/non-HARP Refi-to-Mod (RTM requests)

Fax the 1003, 1008 and appropriate editable RTM request form to your MGIC Underwriting Service Center. You can also save these forms as a PDF for your records and submit the documents to our Loan Center website.

Activate MI Coverage

To activate MGIC MI coverage, notify MGIC within 15 days of loan closing. Loans must close on or before the Commitment expiration date.

HARP and Non-HARP same insured/servicer

See Activation options.

If premium is due, pay the modification premium before you activate coverage. Mail the premium and Modification Activation Notice to MGIC, P.O. Box 488, Milwaukee WI, 53201-0488.

Non-HARP new insured/servicer

Pay the modification premium before you activate coverage. Mail the premium and Modification Activation Notice to MGIC, P.O. Box 488, Milwaukee WI, 53201-0488.

HARP RTM disaster policy

In areas affected by hurricanes or other significant disasters affecting multiple properties, we require you to obtain an exterior-only inspection report to determine whether the subject property was materially damaged from the event. You do not need to submit the inspection report to us, but retain it in the refinance loan file.

The transaction remains HARP RTM-eligible if:

  • There is no material damage
  • There is material damage, but the property is restored to its pre-event condition before the refinance is closed

The transaction is no longer HARP RTM-eligible if:

  • There is material damage, and the property is not restored to its pre-event condition before the refinance is closed

HARP RTM Disaster Policy Q & A