Business W/ Anza
Who is my Point of Contact/ account manager?
1. Ask customer if we can assist them.
2. Ask customer for their contact information (Phone # and Email) and email Customer Sucess mailbox. Customersuccess@anzami.com
Cody, Dawn or Melissa would be a dedicated account manager.
Explain MI Coverages, What MI Coverages belong with what LTVs?
LTV 80.01% - 85.00% = 12% MI Coverage
LTV 85.01% - 90.00% = 25% MI Coverage
LTV 90.01% - 95.00% = 30% MI Coverage
LTV 95.01% - 97.00% = 35% MI Coverage
How do I submit a delegated/ non-delegated MI order in the Anza Portal?
Portal Navigation: Anza Portal> Certifcate Center> Request New MI Order> Delegated or Non-delegated. Check List: -Upload file: Select iLAD or DU 3.2 file and upload.
-Complete form: Fill in all required information and data fields below. If its a non-delegated file submit the required supporting documents needed and complete all fields. Underwriting will review and respond within 4 business hours.
-Submission: Submit the completed form for processing.
What is the status of my Non-delegated submission?
Have customer pull up portal/ and follow along in employee portal to view status. View status at [Certificate Center > Search Certificate number or Address]. Status definitions: Pending, In Review, Suspended (action required), Approved/ Outstanding Commitment , Denied.
I have received an email notification regarding an adverse action taken on a certificate. How do I view the document?
Instruct the lender to log into the Anza portal and navigate to the certificate's documents section, To retrieve the document.
For additional details regarding a specific action taken, refer to the comment box and consult the decision making underwriter.
What loans does Anza insure?
GSE eligible conventional loans requiring mortgage insurance. (Including Fannie/ Freddie High Cost).
The price on my MI order does not match the rate and price on my rate quote. Can you help clarify?
Price differences are typically caused by a change in one or more pricing-sensitive data attributes. Ask customer if they recently changed any data fields. Please review both submissions side by side and ensure all fields match on the order/ quote.
Check the following first:
1.Ask if the customer added the Rate Quote ID on their MI Order.
2. # of borrowers
3. Loan Level FICO / Credit
4. DTI
5. Loan Amount
6. Loan Purpose/ Property type
7. LTV/ MI Coverage
8. Amortization Term
9. Zip Code
Escalate to Christene if both Rate Quote and Cert match but pricing is different.
Where do I find an iLAD or DU 3.2 file for upload?
The iLAD (Integrated Loan Application Data) file/ DU 3.2 is generated by your loan origination system (LOS).
I'm getting an error when trying to submit an order through my LOS. What does it mean?
Ask for Name, Email, Phone #, what LOS they are using, what does the error say and what are they trying to order.
Authentication error/invalid credentials — your Anza credentials in the LOS may have expired or been entered incorrectly.
Data validation error/required field missing — a required loan data field is missing or formatted incorrectly. Review the MISMO data fields required by Anza and ensure your LOS is mapping them correctly.
Eligibility error — the loan scenario does not meet Anza's current product guidelines. Review the error detail; this may require resubmission as Non-Delegated or review by your underwriting team.
Timeout/connection error — a temporary connectivity issue. Retry the submission. If errors persist, check [Anza status page ⚙️].
🔧 > 🔧 CS Note: Do not attempt to diagnose specific API error codes — gather the full error message, the LOS name and version, and the loan reference, then escalate to Integration Engineering.
How do I provide feedback about the Anza platform or request a new feature?
Cody -Email Customer Success - customersuccess@anzami.com
What is Anza MI?
Anza MI is a private mortgage insurance provider focused on: delivering reliable risk management solutions, competitive pricing and streamlined underwriting experience.
Which Credit Model and Credit Bureau do I select?
The tri-merge credit report shows the credit scoring model (FICO classic, FICO 10T or Vantage). The Credit Beurea = The Beurea providing the loan level FICO. (1 borrower = Middle score /2 borrowers= middle score of each / lesser of the 2.)
How do I upload follow-up documents to my non-delegated submission that have been requested?
Navigate to the order, select [Actions> Upload Documents>Select upload for Underwriting], and attach the requested files. Our team will be notified automatically once uploaded.
My Delegated order says "Suspended." What do I do?
Suspended on a Delegated order typically means the loan does not meet delegated eligibility criteria or required fields are incomplete. Review the suspension reason in the portal. Correct the issue or resubmit as Non-Delegated if full underwriting review is required.
What is the MAA/CSR Introduction script?
"Thank you for calling Anza Mortgage Insurance. My name is [Your Name], in Customer Success, how can I assist you?
What differentiates Anza MI?
Anza MI is built around:
1. No GSE Overlays
2. Simplified, consistent underwriting
3. Flexible product offerings
4.Technology-driven integrations
5. Dedicated lender support teams.
What is the maximum LTV and minimum FICO for delegated eligibility?
The GSE's don't have a minimum FICO
- Primary Resident 1 unit: Max 97% LTV
- Second Home: Max 90% LTV
- Investment property: Max 85% LTV
How do I submit an MI order through Encompass specifically?
In Encompass, MI orders to Anza are submitted through the MI Center. Navigate to your loan file and select Mortgage Insurance Service Orders. Expand the panel, select Anza as your MI provider, complete the required fields, and submit.
My Non-Delegated order says "Suspended." What do I do?
Suspended means our underwriting team has identified missing information or conditions that must be satisfied. Review the conditions listed in the portal and upload any requested documents.
⚠️ CS Note: Do not speculate on whether the order will be approved. Route timeline questions to underwriting turn time standards.
How do I file a complaint?
Cody - Email Cody Archer- carcher@anzami.com or Bryan Specht -bspecht@anzami.com
How do I become an approved lender?
Submit a complete Anza Master Policy application along with these documents:
-Quality Control (QC) policy
-Appraisal Management policy
-Fraud Management & Prevention policy
-Optional Non-Disclosure Agreement (NDA). This is required when Anza is performing a pricing analysis.
If the customer doesn't understand or has further questions escelate to National Account VPs. (Cody, Melissa, Dawn)
Does Anza offer lender-paid MI (LPMI) and how is it priced?
Yes, Lender Paid MI is a product. Pricing is determined by the pricing model that your company uses. (Rate card/ Risk Based Pricing). Please contact your secondary market for direction.
What documents are required for a Non-Delegated MI order?
Signed Uniform Residential Loan Application (URLA)
AUS Findings Report(s)
Credit Report
Third-Party Validation Reports
Asset documentation
Income / Employment documentation
Appraisal or other evidence of Original Value—full appraisal when required by the AUS, with all required photos, exhibits, and addenda. Anza accepts an eligible appraisal waiver, and Value Acceptance findings provided through DU or LPA. Anza recommends including the Fannie Mae CU and Freddie Mac ACE property report.
Purchase Agreement, if applicable
Construction information, if applicable
Other material documents (e.g., Divorce Decree, Child Support) as applicable and required by GSE guidelines
I submitted an order through my LOS and I can't see it in your portal. Where is it?
Ask customer if they have a Rate Quote ID # or a Certificate #/ Address and search for it in the employee portal. Orders submitted via LOS integrations should appear in our portal under [Certificate Center > Search Cert # or Address] once successfully received. If the order is not visible: inquire with your LOS administrator or resubmit the cert.
What is the framework used for handling difficult calls? Explain the framework/ all meanings.
Handling Difficult Situations (The CALM Framework)
If a call becomes heated or the customer is frustrated, use this pattern.
Connect: "I understand that you are concerned and I want to help resolve your question."
Acknowledge: “It sounds like [the system error/the delay] has been a significant hurdle for your team today."
Listen: (Let them vent without interruption).
Move Forward: "Now that I have a better understanding of the issue, here is the plan to move