Gateway Mortgage Group, LLC will require any amount of borrower- paid upfront conventional MI premiums to be included in the points and fees total at this time, due to lack of clarity in published CFPB regulations regarding the ability to refund the premium.  This includes, but is not limited to, the upfront portions of annual, monthly, single, or split premium options.  We will continue to monitor this situation and will advise clients via announcement if this policy changes.

Please direct questions to your sales manager