A mortgage is more than a rate and a closing date. It is a family planning for what happens after the keys are in hand. That is why insurance is not optional and belongs beside pricing, product fit, and closing costs in a loan officer’s core toolkit. It is required for the loan, and it also shapes monthly cash flow, out-of-pocket risk, and how confident a borrower feels when life gets messy. 

What borrowers need from us 

Many buyers fixate on the lowest premium and only find out later that a high deductible or thin coverage leaves them exposed. Others details ⇒

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