Mocden Insurance Consultants
Mocden Insurance Consultants
International Insurance Experts
International Insurance Experts

Involuntary Unemployment Insurance & Credit Enhancement Products

Mortgage Guardian Job Loss Protection


A World Leader of Involuntary Unemployment Insurance & Credit Enhancement Products


Loan Origination - Mortgage Guardian is an attractive value-added marketing tool that will assist your retail loan officers. Realtors and Builders are also drawn to lenders who can add value to their sale. It increases "Consumer Confidence"


Secondary Market - Mortgage Guardian is a valuable credit enhancement product for Investors. A layer of protection provides additional security to a very real threat of delinquent payments due to loss of employment income which could threaten the overall security of the portfolio.


Servicing - MortgageGuardian is an essential risk management and loss mitigation vehicle where delinquencies are minimized, legal costs lowered, work-outs reduced, and cash flow is less compromised. Servicers with large percentages of their loans with the protection should explore the possibility of lowering loan reserves.


As a credit enhancement, MortgageGuardian adds a layer of security to insure that portfolios continue to perform by providing payments to the service/investor if the accountholder becomes involuntary unemployed.


As a loss mitigation tool, MortgageGuardian can sharply lower delinquacy and default costs associated with loan curing and workouts.


See also our Brand Enhancement pages.


Please contact us for further information.