If these are paid as part of your mortgage payment, they will be paid through an escrow account. (bankofinternet.com)
Typically, you're going to experience higher payments, and sometimes in these instances, you will have to pay private mortgage insurance as part of their mortgage payment. (archives.starbulletin.com)
Lenders will typically run a credit check on a potential borrower as part of the mortgage application process, and will use it to set the terms of the loan. (fiscaltiger.com)