DUSTIN FULTZ
Verified State Licensed & Regulated Insurance Producer
Mortgage Protection
safeguarding your most important investment
No Health Exam Required
Fixed Payment Rates
Cash Back Option / Pay house off early
Coverage for Major Illnesses
*Check out rates
from leading insurance companies
from leading insurance companies
Understanding Mortgage Protection
Mortgage protection insurance acts as a safety net, settling your mortgage in the event of your passing. The policy's death benefit aids beneficiaries in paying off the mortgage amount.
Understanding Mortgage Protection
Financial Security for Loved Ones
Mortgage Protection can provide peace of mind, knowing your family won't have to deal with a mortgage debt if you pass away. By paying off the mortgage, Mortgage Protection Insurance helps ensure your family can retain ownership of your home.
Protect Your Home Investment
Purchasing a Mortgage Protection Policy can help ensure you don't lose the home due to death or you become disabled and unable to work, ensuring your family doesn't inherit the debt.
Peace of Mind
Emotional relief for you. You can feel sure that you won't leave your loved ones in financial distress or at risk of losing the home if you die while still owing money on the mortgage.
Simplifies the process for heirs. The insurance company typically sends the money directly to the lender, so you don't have to worry about disbursement payments or handling the payoff.
Budget-Friendly
Mortgage protection insurance costs depend on a few different factors. Insurance companies will examine the remaining balance on your mortgage loan and how much time is left in your loan term. The amount of your MPI can also depend on your age and the amount of coverage you want.
Policy Clauses
Many mortgages include a due-on-sale or due-on transfer clause that requires full repayment of the loan in the event of a change in ownership. However, federal and state laws override those clauses in this situation, mandating a lender work with a surviving spouse or family member who inherits a mortgaged home.
Get a Personalized Quote for Mortgage Protection
Benefits of Working with Dustin Fultz
Unlike some insurance advisors who are limited in their offerings, Dustin partners with multiple insurance companies to provide you with an array of options.
Whether you're looking to cover funeral expenses, secure your home loan, or plan for retirement, consider Dustin your comprehensive one-stop shop for all your insurance requirements.
Benefits of Working with Dustin fultz
Unlike some insurance advisors who are limited in their offerings, Dustin partners with multiple insurance companies to provide you with an array of options.
Whether you're looking to cover funeral expenses, secure your home loan, or plan for retirement, consider Dustin your comprehensive one-stop shop for all your insurance requirements.
Wide Product Range
Some insurance providers will only have access to a limited number of insurance carriers. Dustin works with a broad range of insurance companies, offering you a variety of options. From funeral costs to home loan protection and retirement planning, consider it a one-stop shop for all your insurance needs.
Diverse Expertise
Dustin is well-versed in all types of life insurance. With a wealth of options at your disposal, Dustin will guide you to find the insurance policy that best fits your unique requirements.
Deep Knowledge
With extensive experience in the field, Dustin knows the intricacies of life insurance policies inside and out. Trust in Dustin to help you discover the ideal match for your insurance needs.
Hassle-Free Experience
Navigating the world of life insurance can be complex, but not with Dustin on your side. Offering a hassle-free experience, Dustin simplifies your search by comparing multiple policies and clearly explaining their terms.
Customized Service
Dustin believes in offering personalized solutions tailored to your specific goals and needs. Through a deep understanding of your overall situation, budget, and future aspirations, Dustin partners with you to select a policy that both protects and empowers.
Understand The Difference Between MPI, PMI and MIP
Mortgage protection insurance (MPI) can easily be confused with another abbreviation, PMI, or private mortgage insurance. While the letters and terms for these insurance products are almost identical, they are distinctly different. Mortgage Protection Insurance (MIP) protects you and your beneficiary. While PMI protects the lender that loaned you your mortgage, and is required on conventional loans when the borrower puts less than 20 percent down as well as FHA Loans, regardless of the down payment.
To make all of this even more confusing, there is yet another acronym, MIP, which stands for mortgage insurance premium and applies to FHA loans. Like PMI, MIP protects the lender, not the borrower. However, unlike PMI, MIP cannot be removed on an FHA loan regardless of the downpayment. Here is a recap:
Mortgage protection insurance (MPI):
This type of coverage pays out to your lender if you die or become disabled and can’t work.
Private mortgage insurance (PMI):
This type of coverage is usually required if your down payment is under 20 percent. It pays out to your lender if you were to become unable to pay your mortgage and default on the loan.
Mortgage insurance premium (MIP):
This is a version of mortgage insurance specific to FHA loans. It pays out to your lender if you default on the FHA mortgage.
Advantages of
Mortgage Life Insurance
1. Takes the guesswork out of paying off a mortgage.
Receiving a lump sum of money from a traditional term policy can be overwhelming, especially if your beneficiaries have multiple financial obligations to cover in your absence. When you have a Mortgage Protection Life Insurance Policy, this can be used just to ensure the remaining mortgage is paid in full.
2. No underwriting required.
Receiving a lump sum of money from a traditional term policy can be overwhelming, especially if your beneficiaries have multiple financial obligations to cover in your absence. When you have a Mortgage Protection Life Insurance Policy, this can be used just to ensure the remaining mortgage is paid in full.
Ready to plan for your family’s future?
Book a meeting with me below to discover your options.
Jason S.
North Atlanta, USA
Reliable and Exceptional Cleaning
I've been using New Era Cleaning Solutions for a few months now, and they’ve exceeded my expectations every single time. I appreciate their attention to detail and how easy it is to communicate with them.
If you’re looking for a dependable home cleaning service, look no further!
Sandra T.
Dekalb, USA
A Clean Home Without the Stress
With my busy schedule, finding time to clean has been nearly impossible. New Era Cleaning Solutions takes the stress out of keeping my home tidy. Their team is professional, punctual, and leaves everything sparkling clean.
I love coming home after they’ve been here—it’s such a relief!
Jeffrey S.
NorthGwinnett, USA
My Home Has Never Looked Better!
New Era Cleaning Solutions has been a game-changer for my household! Their team is incredibly thorough and reliable.
I’ve tried other services before, but none compare to the level of detail and care they provide.
Highly recommend them for any home cleaning needs!
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Jason S.
North Atlanta, USA
Reliable and Exceptional Cleaning
I've been using New Era Cleaning Solutions for a few months now, and they’ve exceeded my expectations every single time. I appreciate their attention to detail and how easy it is to communicate with them.
If you’re looking for a dependable home cleaning service, look no further!
Sandra T.
Dekalb, USA
A Clean Home Without the Stress
With my busy schedule, finding time to clean has been nearly impossible. New Era Cleaning Solutions takes the stress out of keeping my home tidy. Their team is professional, punctual, and leaves everything sparkling clean.
I love coming home after they’ve been here—it’s such a relief!
Jeffrey S.
NorthGwinnett, USA
My Home Has Never Looked Better!
New Era Cleaning Solutions has been a game-changer for my household! Their team is incredibly thorough and reliable.
I’ve tried other services before, but none compare to the level of detail and care they provide.
Highly recommend them for any home cleaning needs!
