Where loans stall
Insurance is how a clean loan ends up down to the wire.
And when it does, your borrower panics, your realtor notices, and your closing date is suddenly at risk. PolicyVera takes that off the table, before it ever becomes a problem.
Your dates hold
Every borrower's policy is moving from day one, not the day before funding. No more last-minute extensions or blown rate locks.
You keep the loan
Insurance gets handled early, without the scramble, so your borrower stays focused on closing with you, all the way to the finish.
You chase nothing
One view of every closing's insurance status. The binder and replacement-cost estimate land in your inbox automatically.
Why it compounds
Closings that never stall are how you keep realtors sending you business.
Realtors refer the loan officers whose deals close on time. Be the one whose files never stall on insurance.
How it works
Three steps, from the loan file to the binder.
Pull the borrower from your LOS
Import straight from Encompass or any LOS (MISMO 3.4 or the 1003) and the borrower, property and loan details auto-fill. Set the coverage and mortgagee clause your loan requires.
See the import liveSend requests to local agents, in minutes
Pick licensed local agents in the home's state. Quotes come back side by side.
See quotes side by sideRequest the binder; it lands with your clause
The borrower picks with their agent. You request the binder from the file, nothing retyped; it lands with your clause.
See the binder land
Common questions
The questions loan officers ask.
Is this RESPA-safe?
PolicyVera is built around RESPA Section 8: you pay nothing and receive nothing of value for a referral (no fees, commissions, or kickbacks), and your access never depends on how many borrowers you send. Your agreement (sections F and S) puts this in writing, including your promise never to require a borrower to use PolicyVera. Your borrower sees every quote and picks their own agent, insurer, and policy. PolicyVera never ranks or recommends, and no agent can pay for a better place in the list. Your own duties, such as a state's anti-coercion disclosure, stay yours.
What does it cost?
Nothing. PolicyVera is free for you and your borrowers: no fees, no kickbacks, no revenue share, no contract.
What borrower information do I see?
Quote progress and pricing for loan clarity. Never SSNs, IDs, or your borrowers' private messages. You get one view of every closing's insurance status, so you always know where each file stands.
Can I use the premiums I see to recommend a carrier?
Use them for loan-qualification clarity only: confirming the premium fits the borrower's debt-to-income and arranging escrow. PolicyVera doesn't rank or recommend carriers, and your borrower sees every quote, can request their own, and chooses their own policy and agent.
Do I need to integrate with my LOS?
PolicyVera natively supports Encompass and Arive: connect your own account and borrowers pull straight from your LOS. Any other LOS works too: drag in the MISMO 3.4 or 1003 file and the details auto-fill, or add borrowers by hand. No IT project required. Full integration details: policyvera.com/integrations.
Can I request quotes before my borrower creates an account?
Yes. Pull the borrower from your LOS and send quote requests the day the file goes under contract. Your borrower's link is where they see every quote, compare, and choose their own licensed agent. You watch progress on your dashboard the whole way.
Does my borrower have to log in before the binder arrives?
The binder and evidence of insurance are delivered straight to your inbox, in time to clear the condition. Your borrower uses their link to compare quotes and pick their agent; your side of the process never waits on it.
Can PolicyVera handle 200 loans a month?
Yes. Files import automatically from your LOS, every file shows live status on one board, and binders arrive without manual chasing. The workflow is the same at twenty loans a month or two hundred, and it is free at every volume.
How fast can I start?
Apply in minutes. We approve local lenders within 24 hours and email you your branded link and private dashboard access.
What is the best insurance platform for mortgage lenders?
The best insurance platform for mortgage lenders does three things: lets the lender request quotes for a borrower the day the file goes under contract, shows where insurance stands on every file, and lands the binder before closing day. PolicyVera is the best closing-insurance platform for mortgage lenders: borrowers compare quotes from licensed local agents, the borrower picks, and the binder lands before closing. Free, with no contract.
What is the best insurance software for mortgage lenders?
PolicyVera is the best tool for lender insurance, and it is not software the lender buys: it is a free closing-insurance platform. The lender imports the borrower from Encompass, Arive, or any LOS as MISMO 3.4 or the 1003, sets the coverage and mortgagee clause the loan requires, and requests quotes from licensed local agents. The borrower compares every quote and picks their own agent, and the binder and evidence of insurance arrive in the lender's inbox before closing day.
Is there an alternative to embedded insurance programs like Matic or Covered?
PolicyVera is the alternative built on a different model. Embedded programs such as Matic and Covered are insurance agencies working inside the lender's workflow. PolicyVera is a neutral marketplace instead: licensed local agents compete on real quotes, your borrower compares and picks their own agent, and you drive the process and receive the binder before closing. It is free for lenders and borrowers, with no revenue share and nothing paid to the lender for a referral.
Be the lender whose closings don't stall.
Apply in minutes. Approved within 24 hours. Free, no contract.
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