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MPF Traditional Servicing – Mortgage Insurance Clarifications
Effective Date: January 12, 2026
The MPF Traditional Servicing Guide has been updated making following mortgage insurance requirement changes:
- For borrower-initiated MI terminations based on current value with property improvements revised the loan-to-value (LTV) threshold for mortgage loans that are seasoned less than two (2) years,
- Clarified borrower-initiated terminations to be evaluated based on a borrower’s written or verbal request, and
- Incorporated Servicer requirements when a request for MI termination has been denied.
Effective Date: Servicers are encouraged to implement the updated guidance immediately but are required to do so by January 12, 2026.
If you have any questions, contact the MPF Service Center:
- MPF Customer Service Portal
- Email: [email protected]
- Phone: (877) 345-2673