Essent is an approved mortgage insurance (MI) provider with housing finance agencies (HFA) across the country. Together, we are delivering innovative solutions for affordable homeownership.
An HFA Loan With Essent MI Offers Borrowers:
- Flexible funding options for down payment and closing costs
- MI for credit scores as low as 620, LTVs up to 97% and CLTVs up to 105%
- Free homebuyer education counseling based on HFA requirements1
- Flexible MI options (BPMI Monthly, BPMI Single, Split Premium)
1 Availability may change without notice and other limitations may apply.
We're Here to Support You and Your Community.
Learn how loan programs from your state HFA and Essent MI can help make homeownership more affordable for your borrowers.
Find Your Local Relationship Manager ⟶
Meet Our HFA Liaisons.
| ALBERT MARTINEZ | TODD BUSHY |
| Eastern HFAs | Western HFAs |
| albert.martinez@essent.us | todd.bushy@essent.us |
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Learn How You Can Become an Approved Lender With Your State HFA.
- Alabama Housing Finance Authority
- Alaska Housing Finance Corporation
- Arizona Department of Housing
- Arkansas Development Finance Authority
- California Housing Finance Agency
- Colorado Housing and Finance Authority
- Connecticut Housing Finance Agency
- Delaware State Housing Authority
- District of Columbia Housing Finance Agency
- Florida Housing Finance Corporation
- Georgia Department of Community Affairs
- Hawaii Housing Finance and Development Corporation
- Idaho Housing and Finance Association
- Illinois Housing Development Authority
- Indiana Housing and Community Development Authority
- Iowa Finance Authority
- Kansas Housing Rescources Corporation
- Kentucky Housing Corporation
- Louisiana Housing Corporation
- MaineHousing
- Maryland Department of Housing and Community Development
- MassHousing
- Michigan State Housing Development Authority
- Minnesota Housing Finance Agency
- Mississippi Home Corporation
- Missouri Housing Development Commission
- Montana Housing
- Nebraska Investment Finance Authority
- Nevada Housing Division
- New Hampshire Housing Finance Authority
- New Jersey Housing and Mortgage Finance Agency
- New Mexico Mortgage Finance Authority
- North Carolina Housing Finance Agency
- North Dakota Housing Finance Agency
- Ohio Housing Finance Agency
- Oklahoma Housing Finance Agency
- Oregon Housing and Community Services
- Pennsylvania Housing Finance Agency
- Rhode Island Housing and Mortgage Finance Corporation
- South Carolina State Housing Finance and Development Authority
- South Dakota Housing Development Authority
- State of New York Mortgage Agency
- Tennessee Housing Development Agency
- Texas Department of Housing and Community Affairs
- Utah Housing Corporation
- Vermont Housing Finance Agency
- Virginia Housing
- Washington State Housing Finance Commission
- West Virginia Housing Development Fund
- Wisconsin Housing and Economic Development Authority
- Wyoming Community Development Authority
We're Proud to Partner With Our HFA Partners & Lenders. Let's Work Together!
Interested in learning more about how we can work together? Complete the form and one of our representatives will reach out to you.
Sustainability At Essent
At Essent, our mission is to serve as a trusted, best-in-class partner to the housing finance industry by responsibly offering mortgage insurance, reinsurance and risk management products to mortgage lenders and investors. Together we support affordable and sustainable homeownership.
MI Basics
Learn how private mortgage insurance works and the benefits to lenders and borrowers.