Your goal: surface property risk into your underwriting decision, confirm hazard and flood binders meet escrow/investor requirements, and watch collateral insurability across your pipeline.
New to CoverGuard? Do Getting started first. This guide is your first-week playbook as a lender.
What your workspace looks like
Lenders get an intelligence- and finance-heavy workspace:
- Search / Shop by budget — property lookup and budget-first discovery.
- Property — saved properties and reports.
- Dashboard — pipeline health, "do next" actions, KPIs.
- Toolkit — the loan stack: DTI/LTV calculator, mortgage & affordability
calculators, closing-cost and property-tax estimators, plus lender tools (loan pipeline, insurance-binder verification, conditions tracker, escrow compliance, force-placed alerts, HMDA reporting, NMLS lookup, LOS integration).
- Sys Admin — LOS/CRM integrations, developer/API.
Plus the AI Advisor everywhere. (Digital Agents are off by default for lenders — you can enable the tab from Sys Admin → Feature Flags if you want them.)
Your first week
1. Check collateral insurability on a loan
Search the subject property. The answer-first report tells you immediately whether the property is insurable and which carriers are binding — the fastest read on whether a hazard/flood binder will be obtainable. Pay attention to the Bind-Path signal and insurability band. See Property report.
2. Verify the insurance binder
Use Insurance Binder Verification (Toolkit / lender tools) to confirm hazard and flood binders meet investor and escrow requirements before you clear-to-close.
3. Run the loan math
Use the DTI / LTV Calculator (conventional/FHA/VA presets) and the Mortgage calculator — the latter models the insurance line per peril, so the PITI you show a borrower reflects real hazard exposure, not a flat estimate. See Mortgage calculator.
4. Build your loan pipeline
Track applications by stage (origination → underwriting → CTC → funded) in the Loan Pipeline / Deals surface, and manage borrower relationships in Clients. See Clients & deals.
5. Let carrier-exit alerts watch your book
On a Professional plan, carrier-exit alerts run automatically — save the collateral properties and you're warned on your Dashboard when a carrier stops writing on a market where you have exposure, a leading indicator of a force-placement or escrow problem. There's no toggle to flip. See Alerts.
6. Connect your LOS
In Sys Admin → Integration Hub, connect Encompass / LendingPad (or use the Auto-Mapping tool for a custom system) for bi-directional sync. See Integrations.
Compliance & reporting
Lenders get the compliance-heavy surface: User Audit Log, State Regulation Library, E&O tracking, Data Retention, plus Book-of-Business and Loss Runs reporting. Find these under Toolkit / the relevant nav surfaces.
Tips
- The report's valuation section applies an uncapped liquidity discount when a
property is effectively unplaceable — a useful collateral-risk flag.
- Ask the AI Advisor to summarize a property's insurability in lender terms, or to
compare binder options.
Troubleshooting quick hits
- "Analytics / alerts / reports are locked." — These are paid-tier features. See
- "LOS sync isn't working." — See Integrations & API.
- "No carriers on a rural/coastal property." — May be a genuinely hard market;
read the insurability note and check Bind-Path. See Search & reports.
Do this next
Run a subject property through Search and read its Bind-Path and insurability band — that's your fastest signal that a hazard/flood binder will be obtainable at close.