Does Arch require escrows be set up for property taxes and/or home owner’s insurance?

Does Arch require escrows be set up for property taxes and/or home owner’s insurance?

Arch does not have any overlay that would require that a lender escrow for taxes and/or insurance, no matter what the LTV.  We do require that the housing and debt-to-income ratios be calculated using monthly taxes, insurance, MI premium, HOA dues and flood insurance premium, if applicable.