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Loans and Credit

Loans and lines of credit are financial transactions in which a lender advances money to a borrower, who agrees to repay the money with interest by a specified time. Loans are usually secured by collateral, whereas lines of credit are unsecured lending. Typically, a loan is obtained for a very specific purpose and the funds are drawn down one time only. With a Line of Credit, the borrower may draw down multiple times up to the limit of the loan, and there are usually few restrictions on how the money can be used. The most common types of Loans and Credit are Home Loans, which include Home Equity Lines of Credit, Home Equity Loans, Home Mortgages and Home Refinance Loans.

Home Loans
A Home Loan is a personal loan specifically for the purpose of purchasing a house. These are typically secured loans in which the property being purchased is the collateral. Should the borrower default on the loan, the house can be repossessed by the lender. The most common kind of home loans are Home Equity Line of Credit, Home Equity Loan, Home Mortgage and Home Refinance.
Mortgage Insurance

Regardless of your role in the mortgage finance process, mortgage insurance plans can help you turn customers into homeowners.


Home Equity Default Insurance

AIG United Guaranty covers equity loans, HELOCs, piggyback seconds, and home improvement loans to support your credit risk and operational objectives.

Private Education Loan Default Insurance

AIG United Guaranty’s private education loan default insurance can protect your bottom line from losses due to borrower default and assist you with accomplishing your risk management objectives.


Consumer Loans

Loans for any purpose: vacation, home improvements, major purchases, education and debt consolidation. A variety of payment plans to fit your budget.