Our promise is to you.
We’re Sagen™, Canada’s largest private default mortgage insurance provider. We’ve been in business for over 35 years and have earned a reputation for being a trusted advisor to all our customers from coast to coast to coast.
Fraud Prevention Month
Click here to learn more about Sagen’s approach to fraud prevention.
To report any potential misrepresentation, please contact our Fraud Prevention team at: [email protected]
What's New
Financial Literacy Month
From understanding your spending habits to setting achievable financial goals, these strategies will empower you to make informed decisions and build a solid foundation for your financial well-being.
30-Year Amortization Eligibility
Additional information on the underwriting policies for mortgage insurance applications with 30-year amortizations are now available.
Explore our Events page
We offer a variety of events throughout the year to help mortgage professionals grow their business through Learning Labs, podcasts, webinars, speaking engagements and events.
Get to Know Our Products
Homebuyer 95 Program
Enable qualified borrowers to become first-time homeowners with as little as a 5% down payment.
New to Canada Program
Help individuals who have recently immigrated or relocated to Canada to purchase property with as little as 5% down.
Underwriting Policies & Standards (UPS)
The ultimate lender’s resource. Find up-to-date information on policies, guidelines, and more.
- Product Specific Underwriting Guidelines
- Real Estate Underwriting
- Covenant Underwriting
- Underwriting Documentation
- Underwriting Process
- Roles and Responsibilities
- UPS Overview
Homeowner Assistance Program (HOAP)
Life happens. HOAP can help. Our assistance program provides support to homeowners experiencing financial hardship so that they can stay in their homes.
Learn moreTools & Resources
View all tools & resources
Lender Updates
Get the latest news for lenders.
Forms and Worksheets for Lenders
Download worksheets for renovation, construction, and inspections requests.
Premium Rate Chart
Get a quick snapshot of standard rates that apply to a number of Sagen products.
Industry Insights
Stay on top of key industry information with our studies and publications, plus some great reads we’ve curated from across the web.
Go to Industry Insights