[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-646398-105":3,"detail-sidebar-cat-0-en-105":79,"doc-detail-646398-en":129},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":72,"head_meta":74,"extra_data":76,"updated_unix":78},105,"en","arch-mi-underwriting-manual-march-1-2017","ARCH MI - Underwriting Manual - March 1, 2017","","Underwriting Manual for ARCH MI with effective date March 1, 2017. Describes updates replacing prior manuals from Arch Mortgage Insurance Company and United Guaranty, consolidating underwriting guidance into one shared manual. Provides a structured table of contents covering underwriting philosophy, fair housing and equal credit opportunity compliance, submission methods, commitment and certificate types, desktop decisioning requirements for DU and Loan Product Advisor, standard underwriting requirements, eligibility and documentation rules, plus product and program guidance such as jumbo loans and affordable housing.",{"@graph":14,"@context":71},[15,34,54],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/document/","Document",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/document/research-report/","Research & Report",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/document/arch-mi-underwriting-manual-march-1-2017/646398/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":48,"encodingFormat":47,"isAccessibleForFree":49,"interactionStatistic":50},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/arch-mi-underwriting-manual-march-1-2017/646398.png","ImageObject",300,407,{"name":42,"@type":43},"BAd apple","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-10-23",true,{"@type":51,"interactionType":52,"userInteractionCount":22},"InteractionCounter",{"@type":53},"ViewAction",{"@type":55,"mainEntity":56},"FAQPage",[57,63,67],{"name":58,"@type":59,"acceptedAnswer":60},"What does the March 1, 2017 ARCH MI Underwriting Manual replace?","Question",{"text":61,"@type":62},"It replaces Arch Mortgage Insurance Company’s Underwriting Manual and United Guaranty’s Underwriting Requirements Guide, with both companies using the same Manual going forward.","Answer",{"name":64,"@type":59,"acceptedAnswer":65},"Which submission methods are covered in the manual?",{"text":66,"@type":62},"The table of contents includes Full-File Submissions and Delegated Submissions under Submission Methods (March 1, 2017).",{"name":68,"@type":59,"acceptedAnswer":69},"What types of commitment or certificates does the manual address?",{"text":70,"@type":62},"It covers Final Commitments and Conditional Commitments under Commitment/Certificates (March 1, 2017).","https://schema.org",{"og:url":32,"og:type":73,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":75,"canonical":32},"index,follow",{"doc_id":77,"site_id":7},646398,1792789813,{"code":4,"msg":80,"data":81},"success",[82,86,90,94,99,104,109,113,118,121,125],{"id":22,"doc_module":4,"doc_module_name":25,"category_name":83,"show_sort_weight":84,"slug":85},"Story & Novel",90,"story-novel",{"id":26,"doc_module":4,"doc_module_name":25,"category_name":87,"show_sort_weight":88,"slug":89},"Literature",80,"literature",{"id":33,"doc_module":4,"doc_module_name":25,"category_name":91,"show_sort_weight":92,"slug":93},"Exam",70,"exam",{"id":95,"doc_module":4,"doc_module_name":25,"category_name":96,"show_sort_weight":97,"slug":98},5,"Comic",60,"comic",{"id":100,"doc_module":4,"doc_module_name":25,"category_name":101,"show_sort_weight":102,"slug":103},6,"Technology",50,"technology",{"id":105,"doc_module":4,"doc_module_name":25,"category_name":106,"show_sort_weight":107,"slug":108},7,"Healthcare",40,"healthcare",{"id":110,"doc_module":4,"doc_module_name":25,"category_name":29,"show_sort_weight":111,"slug":112},8,30,"research-report",{"id":114,"doc_module":4,"doc_module_name":25,"category_name":115,"show_sort_weight":116,"slug":117},9,"Religion & Spirituality",20,"religion-spirituality",{"id":116,"doc_module":4,"doc_module_name":25,"category_name":119,"show_sort_weight":116,"slug":120},"World Cup","world-cup",{"id":122,"doc_module":4,"doc_module_name":25,"category_name":123,"show_sort_weight":122,"slug":124},10,"Lifestyle","lifestyle",{"id":126,"doc_module":4,"doc_module_name":25,"category_name":127,"show_sort_weight":95,"slug":128},19,"General","general",{"code":4,"msg":80,"data":130},{"doc_id":77,"user_id":131,"nickname":42,"user_avatar":132,"doc_module":4,"category_id":110,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":133,"file_id":134,"file_url":135,"file_type":136,"file_size":137,"view_count":22,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":138,"language":139,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":12,"update_tm":143,"read_time":144},19241458193282,"https://us-avatar.wpscdn.com/davatar_a8503ba1806abce46bf441b54a3ca4cd","ARCH MI  \nUnderwriting Manual  \nMarch 1, 2017  \n© 2017 Arch Mortgage Insurance Company  \nSummary of Underwriting Manual Updates  \nWelcome to the new Arch MI Underwriting Manual (the Manual) . Effective March 1, 2017, this Manual replaces Arch Mortgage Insurance Company’s Underwriting Manual and United Guaranty’s Underwriting Requirements Guide. Both companies will be using the same Manual going forward.  \nView the changes from Arch Mortgage Insurance Company’s January 4, 2017 Underwriting Manual.  \nView the changes from United Guaranty’s January 3, 2017 Underwriting Requirements Guide.  \nTable of Contents  \nSummary of Underwriting Manual Updates .................................................................................................................................................. i  \n1. Introduction and General Information ...................................................................................................................................................... 1  \n1.01. Risk and Underwriting Philosophy (March 1, 2017) ......................................................................................................................... 1  \n1.02 Fair Housing and Equal Credit Opportunity Acts (March 1, 2017) .................................................................................................... 2  \n1.03 Submission Methods (March 1, 2017) .............................................................................................................................................. 2  \n1.03.01 Full-File Submissions (March 1, 2017) ................................................................................................................................ 2  \n1.03.02 Delegated Submissions (March 1, 2017) ............................................................................................................................. 3  \n1.04 Commitment/Certificates (March 1, 2017) ........................................................................................................................................ 4  \n1.04.01 Final Commitments (March 1, 2017) ................................................................................................................................... 4  \n1.04.02 Conditional Commitments (March 1, 2017) ........................................................................................................................ 4  \n2. Underwriting Requirements for Loans Underwritten with Desktop Underwriter® (DU®) or Loan Product AdvisorSM– EZ Decisioning and SwiftClose........................................................................................................................................................................... 5  \n2.01 LTV/Loan Amount/Credit Score/DTI Requirements (March 1, 2017) .............................................................................................. 6  \n2.02 Additional Underwriting Requirements (March 1, 2017) ................................................................................................................... 7  \n3. Standard Underwriting Requirements ...................................................................................................................................................... 9  \n3.01 General Underwriting Requirements (March 1, 2017) ..................................................................................................................... 9  \n3.02 Agency AUS Additional Underwriting Requirements (March 1, 2017) ........................................................................................... 10  \n3.02.01 Unacceptable DU and Loan Product Advisor Recommendations (March 1, 2017) .......................................................... 10  \n3.02.02 DU and Loan Product Advisor Tolerances (March 1, 2017) ............................................................................................. 10  \n3.03 LTV/Loan Amount/Credit Score/DTI Requirements (March 1, 201","cbCaia4F5qyyhpV2","https://ap.wps.com/l/cbCaia4F5qyyhpV2","pdf",756484,48,"English","# Summary of Underwriting Manual Updates\n# Introduction and General Information\n## Risk and Underwriting Philosophy (March 1, 2017)\n## Fair Housing and Equal Credit Opportunity Acts (March 1, 2017)\n## Submission Methods (March 1, 2017)\n## Commitment/Certificates (March 1, 2017)\n# Underwriting Requirements for Loans Underwritten with Desktop Underwriter® (DU®) or Loan Product AdvisorSM– EZ Decisioning and SwiftClose\n# Standard Underwriting Requirements","[{\"question\":\"What does the March 1, 2017 ARCH MI Underwriting Manual replace?\",\"answer\":\"It replaces Arch Mortgage Insurance Company’s Underwriting Manual and United Guaranty’s Underwriting Requirements Guide, with both companies using the same Manual going forward.\"},{\"question\":\"Which submission methods are covered in the manual?\",\"answer\":\"The table of contents includes Full-File Submissions and Delegated Submissions under Submission Methods (March 1, 2017).\"},{\"question\":\"What types of commitment or certificates does the manual address?\",\"answer\":\"It covers Final Commitments and Conditional Commitments under Commitment/Certificates (March 1, 2017).\"}]","ARCH MI - Underwriting Manual - March 1, 2017 | PDF",1792760303,121]