Ginnie Mae lost instrument bonds.
From $100. Enter your amount.
When the original note or another required document behind a Ginnie Mae mortgage-backed security cannot be located, Ginnie Mae's document-custody rules generally call for a Lost Instrument Bond before the issuer, servicer, or document custodian can move forward without it — indemnifying Ginnie Mae, the pool trust, and the certificate holders against a loss traceable to the missing original. Premium is priced at 0.75% of the bond amount, $100 minimum — enter the penal sum the custodian or your compliance team requires and your exact price appears at the application.
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Apply to filed in one sitting.
A lost instrument bond at a routine amount is ordinary commercial surety — no committee, no lengthy underwriting. Here is the whole thing:
Apply online
Your entity type and FEIN, the pool and loan numbers, the FHA/VA/RHS number and mortgagor if applicable, the property address, mortgage recording information, the bond amount your custodian specifies, and an effective date. The form closes with a credit consent that authorizes a soft inquiry only.
Issued the moment you pay
Lost instrument bonds at routine amounts approve on the spot, and the executed bond generates as soon as payment clears. The consent authorizes a soft credit pull only — a soft inquiry that never affects your score. A large penal sum can draw a short review before the bond releases.
File it with your custodian
Your executed bond and power of attorney arrive by email, ready to deliver to your document custodian or Ginnie Mae compliance contact to complete the pool file. Wet-ink originals mailed on request.
What it is and who needs it.
What the lost instrument bond actually guarantees
Ginnie Mae guarantees timely payment of principal and interest on mortgage-backed securities pooled from government-insured loans, and its Document Custody Manual requires the original note and other key documents for every pooled loan to sit with an eligible, independent document custodian for the life of the pool. When an original note or other required instrument in that file cannot be located — lost in a transfer, a merger, or simple document handling — the issuer or servicer generally cannot simply substitute a copy. Ginnie Mae's custody rules instead call for indemnity: a Lost Instrument Bond that stands behind the missing original until it either turns up or the pool retires.
The bond guarantees that if the missing instrument later surfaces in the wrong hands, or a third party asserts a competing claim because the original could not be produced, the loss is made whole rather than falling on Ginnie Mae, the pool trust, or the certificate holders who bought the security. It is the usual three-party arrangement — you (the principal, whichever party is responsible for the missing document), the surety carrier, and Ginnie Mae or its designated custodian (the obligee) — and it is not insurance for you: if the surety pays a claim, you repay the surety. Ginnie Mae's rules also require that the surety providing the bond not be an affiliate of the entity obtaining it, to keep the indemnity independent.
There is no single statutory bond amount. The penal sum is set case by case — by your document custodian, your servicing counsel, or Ginnie Mae's own guidance for the file at hand — and is commonly scaled to the unpaid balance tied to the missing instrument rather than fixed by rule. Confirm the exact figure with the party requesting the bond before you apply; we'll issue whatever amount they specify.
You need this bond if you are
One application, issued the moment you pay.
These are the actual issuing fields — entity type and FEIN, the pool and loan numbers, the mortgagor and property address, mortgage recording information, and the bond amount your custodian specifies. The form closes with a consent that authorizes a soft credit inquiry only.
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From $100, priced at 0.75% of the bond amount. Enter the amount your custodian specifies and deliver the executed bond the same day. Free until issued.