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CMG MI's EZ-Refi

Supports refinances on non-GSE eligible refinance loans, portfolio loans, or other investor loans

Read the EZ-Refi Program Document.

Read the guidelines for CMG MI EZ-Refi.

View our EZ-Refi Rates:

• EZ-Refi Monthly Premium Rates
• EZ-Refi Single Premium Rates

Only loans currently insured by CMG MI may be considered under the program. A loan that falls within CMG MI's EZ-Refi Program is treated as a new loan and a new certificate number is issued. Since CMG MI is insuring the existing loan, loans that fall under this program are not subject to CMG MI's current Program Guidelines and Distressed Markets Policy, provided that the new loan improves the member's financial position. EZ-Refi loans are subject to CMG MI's premium rates in effect at the time of the submission.

• If the insured loans meet our guidelines, it may be submitted through the EZ-Refi process and be insured with a new mortgage insurance certificate issued under our current premium rates.



• To submit a loan for this program, complete the CMG MI EZ-Refi Application form and fax it with the 1003/1008 to (888) 763-2264.

• Refinance loans that do not meet the CMG MI EZ-Refi Program eligibility can be submitted as a Rate/Term Refinance under CMG MI’s Conforming or Non-Conforming Program Guidelines.
• Refinance loans that meet Fannie Mae’s Home Affordable Refinance and Freddie Mac’s Relief Refinance^SM Programs should be submitted under the CMG MI Home Preservation Refinance Program.

The following process may be used for submitting your refinance loans to CMG MI:

You should receive a response within 48 business hours.

Questions? Unsure whether your Member's loan qualifies for EZ-Refi? Call our Field Underwriting Network at (888) 746-6264 or call your CMG MI Account Executive.

Current Certificate

To determine if the member’s loan is currently insured by CMG MI, please call our Customer Service team at (800) 909-4264. Credit Unions with access to e-servicing can log in at www.e-cmgmi.com.

CMG MI Understands the Comfort of Home