For Mortgage Loan Officers
Your borrower's homeowners insurance, handled — without it touching your timeline.
Send us the borrower once. We quote, bind, and get the evidence of insurance back to you and your processor — matched to exactly what your lender requires.
Why This Matters
Insurance derails more closings than it should
None of these are your job to fix. They shouldn't be your problem to chase down, either.
Wrong mortgagee clause
A binder comes back without the exact lender-required wording, and it bounces at underwriting — a delay that's entirely avoidable.
Coverage doesn't meet requirements
The borrower's chosen policy doesn't hit the replacement-cost or deductible thresholds your lender specifies.
Borrower hasn't started shopping
It's a week from closing and homeowners insurance is still an open item on the file.
What OneHourBinders handles
- ✓ Direct outreach to the borrower
- ✓ Quoting across available carrier markets
- ✓ Matching coverage to your lender's exact requirements
- ✓ Mortgagee clause built into every policy correctly
- ✓ Routing harder-to-place risks to a carrier that will write them
- ✓ Delivering the binder to you, your processor, and the lender
What you do
- ✓ Send the referral — takes under two minutes
- ✓ Keep working the loan file
That's it. No incentive, no referral fee, no compliance gray area on your end — just a resource your borrower can use.
Common Questions
What MLOs ask before referring
What information do you need to get a borrower a quote?
Property address, closing date, lender name, and mortgagee clause information. Details like roof age or prior claims speed things up but aren't required to start.
Can you meet the mortgagee clause and coverage requirements my lender specifies?
Yes — lender name, mortgagee clause wording, and specific coverage or deductible requirements are captured up front, so the binder matches what your lender needs the first time.
What if the property is a harder risk, like an older roof or coastal location?
Properties outside standard carrier appetite are routed to a network of other licensed agents who focus on harder-to-place risks, so a declined quote doesn't become a dead end.
Is there any cost or referral fee for sending borrowers to OneHourBinders?
No. There's no cost or referral fee to send a borrower. Borrowers pay for their policy directly, same as with any insurance agency.
What states is OneHourBinders licensed in?
Currently licensed in Maryland, Pennsylvania, Virginia, and Washington, D.C., with additional state licenses in progress.
Where We're Licensed
Currently writing business in four states
Have a borrower who needs homeowners insurance?
Send the referral — we'll take it from there.
Send a Referral