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  • Essent Guaranty, Inc.
    was founded to serve the housing finance industry when the demands of a rapidly changing business climate called for a new kind of mortgage insurance company one that s backed by private capital focused on managing risk and dedicated to serving as a strong and fair counterparty A partner you can trust and rely on now and for years to come Find out more about Clarity of Coverage our binding

    Original URL path: http://mobile.essent.us/ (2016-02-17)
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  • Essent Guaranty, Inc.
    lending Essent serves the housing finance industry by providing private capital to bear mortgage credit risk for lenders and mortgage investors enabling them to make mortgage financing available for homeowners The company s capital strength comes from 600 million in invested and committed equity funding from a group of premier investors including Pine Brook Road Partners Goldman Sachs J P Morgan PartnerRe and RenaissanceRe Ventures Ltd By guarding lenders and

    Original URL path: http://mobile.essent.us/about.htm (2016-02-17)
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  • Essent Guaranty, Inc.
    lending Essent serves the housing finance industry by providing private capital to bear mortgage credit risk for lenders and mortgage investors enabling them to make mortgage financing available for homeowners The company s capital strength comes from 600 million in invested and committed equity funding from a group of premier investors including Pine Brook Road Partners Goldman Sachs J P Morgan PartnerRe and RenaissanceRe Ventures Ltd By guarding lenders and

    Original URL path: http://mobile.essent.us/general-information.htm (2016-02-17)
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  • Essent Guaranty, Inc.
    analytics Mr Bhasin joined Essent from Countrywide Financial Corporation Bank of America where he was managing director with responsibility for capital assessment asset liability management counterparty credit risk measurement and structured credit analytics Earlier in his career he held several management positions with Freddie Mac including vice president for credit and prepayment modeling as well as research positions with Fannie Mae and the Board of Governors of the Federal Reserve System Vijay Bhasin earned a BS in mechanical engineering from Regional Engineering College Kurukshetra India an MBA in Finance and Marketing from Southern Illinois University and a PhD in Finance from Indiana University Jeff Cashmer Senior Vice President Chief Business Officer The leader of Essent s business development team Jeff Cashmer draws on 18 years of experience in mortgage finance mortgage insurance and business development Most recently he served as executive vice president and chief operating officer of a nationwide mortgage insurer with responsibility for all operations pricing and sales functions Mr Cashmer held previous management positions within the mortgage insurance industry including business development capital markets international business and strategic planning groups Prior to that he worked at Household Finance Corporation with roles in underwriting and quantitative marketing analytics Jeff Cashmer earned a BS in finance from Illinois State University and an MBA from DePaul University s Kellstadt Graduate School of Business Mary Lourdes Gibbons Senior Vice President Chief Legal Officer Secretary Overseeing Essent s legal and compliance office Mary Gibbons brings more than 20 years of experience to the business most recently as chief legal officer at Wilmington Finance where her responsibilities included creating and implementing legal strategies to achieve business goals as well as leading the company s legal and compliance departments Ms Gibbons began her career at the US Bankruptcy Court and White and Williams LLP Her mortgage related experience includes senior roles at ContiMortgage Corp and Advanta Mortgage Corp Mary Gibbons received a BS in marketing from Saint Joseph s University and a JD from The Delaware Law School William D Kaiser Senior Vice President Chief Operations Officer A seasoned mortgage industry executive Bill Kaiser comes to Essent after a 25 year career in the areas of operations technology and finance Before joining Essent Mr Kaiser s mortgage insurance experience includes serving as senior vice president of operations of a nationwide mortgage insurer with responsibility for the field underwriting organization centralized operations quality assurance and other service related functions Mr Kaiser previously served as vice president of business solutions at Option One Mortgage where he developed and implemented solutions for improved business performance with an emphasis on advanced technology He has also managed mortgage lending retail and wholesale channels as well as a broad range of staff support functions for financial services companies Bill Kaiser holds a BS in business administration from Boston University Lawrence E McAlee Senior Vice President Chief Financial Officer With a strong background in the areas of finance accounting controls and risk management Essent s Chief Financial Officer Larry McAlee brings

    Original URL path: http://mobile.essent.us/leadership.htm (2016-02-17)
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  • Essent Guaranty, Inc.
    Essent please contact Janice Walker JD Walker Communications LLC 610 230 0556 media essent us Articles Getting Back in the Game Mortgage Banking Magazine Essent Announces Limited Rescission Waiver Program for Delegated Mortgage Underwriting Inside Mortgage Finance Press Releases January 23 2013 Essent and LoanSifter Streamline Mortgage Lending by Integrating Mortgage Insurance Eligibility with Loan Pricing May 2 2012 Essent Guaranty Vice Chairman to Discuss Future of Housing Finance Industry and the Growing Role of Mortgage Insurance March 1 2011 Essent Guaranty Announces Clarity of Coverage SM July 13 2010 Essent Raises 100 Million in Additional Capital Company Issues First Mortgage Insurance Policies February 18 2010 Essent Guaranty Inc Approved by Fannie Mae and Freddie Mac as Qualified Mortgage Insurance Company December 1 2009 Triad Guaranty and Essent Guaranty Announce Completion of Sale of Operating Platform October 7 2009 Triad Guaranty to Sell Mortgage Insurance Operating Platform to Essent Guaranty Sale Benefits Triad Stakeholders and Supports New MI Entrant July 29 2009 Essent Receives Approval to Write Mortgage Insurance from Pennsylvania Insurance Department Company Also Approved to Participate in National Licensing Program May 27 2009 Essent Group Raises 500 Million in Initial Capital from Leading Investors New Mortgage Insurer Will

    Original URL path: http://mobile.essent.us/news.htm (2016-02-17)
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  • Essent Guaranty, Inc.
    Homeowner FAQ Fair Credit Reporting Act Contact Business Development Team At Essent building relationships is our priority We re focused on your needs helping you seize opportunities and manage challenges As a new player in the industry we re not hampered by legacy exposures or old ways of doing business We re moving forward ready to respond to an evolving market Important Notices If you are a lender interested in

    Original URL path: http://mobile.essent.us/lenders.htm (2016-02-17)
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  • Essent Guaranty, Inc.
    can help buyers obtain a mortgage with a smaller down payment as little as 3 percent in some cases Benefits of MI include Mortgage Insurance Allows for Flexible Payment Terms One of the advantages to mortgage insurance is that it can be paid in multiple ways giving the borrower greater flexibility Essent offers monthly single lump sum or annual premium plans as well as lender paid mortgage insurance programs Mortgage Insurance Is Cancellable Borrower paid mortgage insurance does not last for the life of the loan in fact the insurance coverage can be cancelled when the borrower attains 20 percent equity Equity can be built by paying down the mortgage principal rising home values due to favorable market conditions or home improvements Mortgage insurance also cancels automatically when either the borrower s equity reaches 22 percent through normal amortization or the halfway point of the loan term is reached The cancellation of mortgage insurance may reduce the borrower s monthly mortgage payment or result in a refund of a portion of the mortgage insurance premium depending on the mortgage insurance premium program selected Mortgage Insurance Is Tax Deductible MI tax deductibility has been restored for 2012 and 2013 making MI

    Original URL path: http://mobile.essent.us/why-mi.htm (2016-02-17)
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  • Essent Guaranty, Inc.
    policies and or guidelines by reading our recent announcements EssentAnnouncement 023 11 13 Reduction in Monthly Premium Rates Essent Bulletin 002 10 13 Government Shutdown Underwriting Guidance EssentAnnouncement 022 09 24 Underwriting Eligibility Expansion and Rate Card Updates EssentAnnouncement 021 06 28 Enhancements to Essent Online MI Ordering EssentAnnouncement 020 04 15 Manual Underwriting Eligibility and Rate Card Updates EssentAnnouncement 019 02 28 Clear2Close Eligibility Enhancement EssentAnnouncement 018 02 28 Enhancements to Essent Online MI Ordering Essent Announcement 017 Introduction of Clear2Close and Expanded Eligibility EssentAnnouncement 016 11 12 Enhancements to Essent Online MI Ordering Essent Bulletin 001 11 12 Hurricane Sandy Disaster Policy Essent Announcement 015 09 12 Enhancements to Essent Online MI Ordering Essent Announcement 014 07 12 Underwriting Guideline Update Essent Announcement 010 04 12 Enhancement to MI Ordering Online Essent Announcement 009 04 12 Streamlined Guidelines Expanded Eligibility and Price Reduction for Credit Scores 760 Essent Announcement 008 02 12 Elimination of Reserves Requirements on Qualifying Rate Term Refinances Essent Announcement 007 12 11 Essent Online MI Ordering Enhancements Essent Announcement 006 12 11 Expansion of Eligibility and Updates to the Underwriting Guideline Manual Essent Announcement 005 11 11 Enhancements to Servicing Online Essent Announcement 004

    Original URL path: http://mobile.essent.us/announcements-and-bulletins.htm (2016-02-17)
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