RateStar

  • Is the RateStar Buydown option available on all Premium Plans?

    - by Rebecca Vanhooser

    Is the RateStar Buydown option available on all Premium Plans?

    Arch allows the RateStar Buydown on our Standard Monthly and EZ Monthly Plans for Arch MI and Arch Mortgage Guaranty Company.

  • Will Arch MI consider insuring a loan with a debt-to-income (DTI) ratio above 45%?

    - by Darren Metsker

    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.

    Underwriting Page (CU)