Will Arch MI consider insuring a loan with a debt-to-income (DTI) ratio above 45%?
Arch MI permits loans with a maximum DTI ratio of 50% under our EZ DecisioningSM program when valid DU® Approve/Eligible or LPA Accept/Eligible findings are provided. Under Arch MI’s Standard Underwriting Requirements, loans will also be given consideration when the DTI exceeds 45% up to a maximum of 50% for conforming loan amounts. DTI limits for other programs and/or jumbo loan amounts may vary; full guidelines are available on our Underwriting page. We encourage you to submit a full file for review by our experienced Underwriting team to determine eligibility.