
Submit Refi-to-Mod (RTM) loans
Use the Loan Center to submit Fannie Mae high LTV refi and Freddie Mac Enhanced Relief Refinance loans under our Refi-to-Mod (RTM) program
Home > Underwriting > Refi-to-Mod (RTM) loans
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Submit Fannie Mae high LTV refi and Freddie Mac Enhanced Relief Refinance 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.
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.
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 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.
Login to the Loan Center to submit RTM loan modifications. Need a user ID and password? Sign up here.
Once you submit a loan, follow up on its progress on the Loan Center.
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 one of the following request forms:
Learn more about submitting RTM modification data for automated processing.
Fax the 1003, 1008 and appropriate editable RTM request form to 1-800-437-1350. You can also save these forms as a PDF for your records and submit the documents to our Loan Center website.
To activate MGIC MI coverage, notify MGIC within 15 days of loan closing. Loans must close on or before the Commitment expiration date.
If premium is due (Annual Premium):
If no premium is due (Monthly, Single or Split Premiums):
When you activate coverage using the Loan Center or MGIC/Link, to complete the activation process, submit premiums due to MGIC, P.O. Box 488, Milwaukee, WI 53201-0488.
See Activation options.
In areas affected by hurricanes or other significant disasters affecting multiple properties, before you close the loan, take appropriate steps to determine whether there is any physical damage that affects the value you submitted with the Insurance Application. You may need to obtain a property inspection.
The transaction remains RTM-eligible if:
The transaction is no longer RTM-eligible if:
Use the Loan Center to submit Fannie Mae high LTV refi and Freddie Mac Enhanced Relief Refinance loans under our Refi-to-Mod (RTM) program
Loan Center Delegated MI Underwrite instructions
Loan Center MGIC MI Underwrite instructions
High LTV Refinance Option (See our Underwriting Guide, page 32)
Enhanced Relief Refinance Mortgage Loans (See our Underwriting Guide, page 32)