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Who sets the homeowners-insurance premium in a Loan Estimate, and how should the estimate be checked?

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College of the Holy Cross

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Morgan State University

General mortgage education for readers considering housing near Morgan State University The following questions explain general CFPB mortgage guidance. They are not Morgan State University programs, financial aid, endorsements, or individual borrowing advice. Your actual Loan Estimate, lender terms, property and circumstances determine what applies; no loan eligibility, rate, approval or transaction outcome is established. CFPB says the insurer sets the premium, not the lender, and the borrower can choose the insurer. Comparison shopping helps check whether the lender’s estimate fits the actual situation; the first six to twelve months of premiums are usually paid at or before closing. Premium source and accuracy depend on state, property, insurer, lender, and closing terms. CFPB Loan Estimate Explainer. Publisher last modified October 29, 2025; retained evidence observed October 18, 2026.

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