Enterprise Counterparties Mortgage Insurers

February 16, 2018

Fannie Mae and Freddie Mac (the Enterprises) operate under congressional charters to provide liquidity, stability, and affordability to the mortgage market. Those charters, which have been amended from time to time, authorize the Enterprises to purchase residential mortgages and codify an affirmative obligation to facilitate the financing of affordable housing for low and moderate-income families. Pursuant to their charters, the Enterprises may purchase single-family residential mortgages with loan-to-value (LTV) ratios above 80%, provided that these mortgages are supported by one of several credit enhancements identified in their charters. A credit enhancement is a method or tool to reduce the risk of extending credit to a borrower; mortgage insurance is one such method.

Spotlight

LUMICKS

LUMICKS is the leading supplier of dynamic single-molecule and cell avidity analysis instruments. Our instruments enable – for the first time – the analysis of complex dynamic details related to the behavior and interaction of single molecules and cells. Built upon innovative and Nobel Prize-winning technologies, such as optical tweezers (Nobel Prize for Physics 2018), and STED super-resolution (Nobel Prize for Chemistry 2014), our tools enable the understanding of life to the smallest detail.

OTHER WHITEPAPERS
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Streamlining the Automotive Claims Process via Integrated Intelligent Automation

whitePaper | November 21, 2019

As intelligent automation (IA) emerges as a best practice across numerous industries, insurers and technology service providers alike are racing to build out use cases for IA that streamline the various stages of an automotive insurance claim. While automation cannot be viewed as an isolated lever or standalone solution to bring efficiency and cost savings, when IA integrates with other channels, technologies and platforms, it unleashes its full potential.

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Sophos Guide to Cyber Insurance

whitePaper | December 14, 2021

The cyber insurance market is changing fast, and conditions are getting tougher as the market hardens for the first time in its 15-plus year history. While most organizations already have some cyber insurance coverage, many are finding the bar for renewal is getting higher as capacity shrinks – and premiums are going up.

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The insurance agency workforce: Evolving into the next normal

whitePaper | April 13, 2022

This report marks a milestone with Vertafore’s fifth annual survey and analysis of the state of the insurance workforce. In keeping with the top-of-mind employment issues in our industry, our earlier reports looked at the needs of our multigenerational workforce and how our industry was working to find new talent. These topics are still highly relevant in the insurance industry. However, the historic events of the past two years have caused once-in-a-generation shifts in the employment landscape. Our 2020 report dove into how insurance professionals were navigating the business impacts of the pandemic and remote work while still meeting the needs of their clients. Our most recent survey conducted in November and December 2021 provides insights into how insurance professionals at all levels are grappling with the Great Resignation, as well as how they feel about their work, career prospects, and their technology

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Connected Insurance from Insurer to Partner

whitePaper | May 12, 2023

Today’s insurance industry operates in a world that’s increasingly complex and unpredictable. As insurers navigate economic, environmental, and social challenges, access to quality, trusted data has the potential to create new opportunities. Connected technologies – sensors and other devices that capture and share data in real time – can provide insurers with fresh insights into risk. For the insurer, this data can mitigate exposure, increase pricing accuracy, and foster revenue growth. It can even transform the insurer from a company that collects premiums and pays claims into a trusted partner that helps clients prevent accidents, damage, and losses before they occur.

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5 Ways Digital Communities ENHANCE the Insurance Industry Customer Experience

whitePaper | November 5, 2019

This lack of engagement poses a serious problem for an industry whose biggest challenge is finding ways to enhance their customers’ experience to drive business results. As consumer expectations for self-service and digital engagement evolve and competition diversifies, it is more important than ever for insurers to maximize the effectiveness of their limited interactions.

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Tamping down wildfire threats

whitePaper | December 6, 2022

Wildfire risk is complicated – and not just in terms of predicting, preparing for, and mitigating damage. Wildfires play a complex role in overall climate risk that insurers need to understand and to develop new strategies to address as the impacts of climate change continue to evolve.

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Spotlight

LUMICKS

LUMICKS is the leading supplier of dynamic single-molecule and cell avidity analysis instruments. Our instruments enable – for the first time – the analysis of complex dynamic details related to the behavior and interaction of single molecules and cells. Built upon innovative and Nobel Prize-winning technologies, such as optical tweezers (Nobel Prize for Physics 2018), and STED super-resolution (Nobel Prize for Chemistry 2014), our tools enable the understanding of life to the smallest detail.

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