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Good Morning!
Just heard the Uw has cleared all the stips. My LO said the only thing we are waiting for is Mortage insurance certificate, which we should be receiving today before we can go into the closing stages! We are using Us Bank Conventional loan. Can anyone tell me what the certificate is?
If you put down less than 20% mortgage insurance is required. The certificate is basically like the outline of the terms of your mortgage insurance as the rate varies depending on multiple factors. The certificate tells you the monthly or upfront premium (or the amount financed if you financed the MI) that you will pay, what MI company is being used, the certificate number and details of your loan.