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It organizes requirements into sections covering introduction topics such as underwriting philosophy and automated underwriting systems (AUS), plus product eligibility matrices for specific product lines and loan scenarios. It also details borrower eligibility, including eligible and ineligible borrower guidance, credit report requirements and analyses, FICO score and trade line rules, payment history, credit re-establishment, and major adverse credit events, along with acceptable income sources.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":35,"@type":76,"position":81},"https://docshare.wps.com/document/healthcare/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/underwriting-guideline-manual-version-45-april-4-2022/646401/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/underwriting-guideline-manual-version-45-april-4-2022/646401.png","ImageObject",300,407,{"name":92,"@type":93},"miaandmiso","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-11-12","2026-10-23",true,{"@type":102,"interactionType":103,"userInteractionCount":29},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"What does the Underwriting Guideline Manual cover at a high level?","Question",{"text":112,"@type":113},"It provides underwriting standards for mortgage insurance, including an introduction to underwriting philosophy, automated underwriting systems, product eligibility matrices, and borrower eligibility requirements covering credit report and income documentation.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"How does the manual address automated underwriting systems (AUS)?",{"text":117,"@type":113},"It includes guidance on AUS concepts, approved agency AUS systems, other proprietary AUS systems, and delegated underwriting authority.",{"name":119,"@type":110,"acceptedAnswer":120},"What borrower eligibility topics are included?",{"text":121,"@type":113},"It covers eligible and ineligible borrowers, credit report requirements and analysis (such as FICO score and trade lines), payment history, credit re-established scenarios, bankruptcy, foreclosure, judgments and liens, consumer credit counseling, credit report errors, and non-traditional or invalid credit score cases.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},646401,1792760312,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":34,"category_name":35,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":29,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":139,"language":140,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":67,"update_tm":129,"read_time":144,"preview_page_count":4},7971478544854,"https://ap-avatar.wpscdn.com/davatar_994ba38a5ba835b3df7d355c54d3ed8d","Underwriting Guideline Manual  \nVERSION 4.5 | APRIL 4, 2022  \nMortgage Insurance provided by Essent Guaranty, Inc.  \n© 2022 Essent Guaranty, Inc. , All rights reserved. | Two Radnor Corporate Center, 100 Matsonford Road, Radnor, [PA 19087 |](PA 19087 | essent.us)[ essent.us](PA 19087 | essent.us)[ ](PA 19087 | essent.us)[EGI-6610.074](EGI-6610.074) (04/22)  \nTable of Contents  \n1.0 INTRODUCTION ............................................................................................................................................................................................ 01  \n1.1. Philosophy ..................................................................................................................................................................................................... 01  \n1.2. Automated Underwriting Systems (AUS) ........................................................................................................................................... 01  \n1.3. Approved Agency Automated Underwriting Systems (AUS) ....................................................................................................... 02  \n1.4. Other Proprietary Automated Underwriting Systems (AUS) ....................................................................................................... 02  \n1.5. Delegated Underwriting Authority ....................................................................................................................................................... 02  \n2.0 PRODUCT ELIGIBILITY MATRICES ....................................................................................................................................................... 03  \n2.1.1. Clear2Close® Product Eligibility Matrix ............................................................................................................................................... 03  \n2.1.2. Manual Underwriting Product Eligibility Matrix ............................................................................................................................... 04  \n2.1.3. Loan Amounts > FHFA Max Product Eligibility Matrix ................................................................................................................... 05  \n2.1.4. Affordable Housing/HFA Product Eligibility Matrix ........................................................................................................................ 06  \n2.1.5. Doctor/Professional Loan Product Eligibility Matrix ..................................................................................................................... 07  \n3.0 BORROWER ELIGIBILITY REQUIREMENTS ........................................................................................................................................ 08  \n3.1. Eligible Borrowers ..................................................................................................................................................................................... 08  \n3.2. Ineligible Borrowers .................................................................................................................................................................................. 08  \n3.3. Credit Report Requirements and Analysis ......................................................................................................................................... 09  \n3.3.1. Loan Representative FICO Score ........................................................................................................................................................... 09  \n3.3.2. Trade Line Requirements ......................................................................................................................................................................... 09  \n3.3.3. Payment History .........................................................................................................................................","cbCaildHVeT9A7Xy","https://ap.wps.com/l/cbCaildHVeT9A7Xy","pdf",739437,46,"English","# 1.0 INTRODUCTION\n## 1.1. Philosophy\n## 1.2. Automated Underwriting Systems (AUS)\n## 1.3. Approved Agency Automated Underwriting Systems (AUS)\n## 1.4. Other Proprietary Automated Underwriting Systems (AUS)\n## 1.5. Delegated Underwriting Authority\n# 2.0 PRODUCT ELIGIBILITY MATRICES\n## 2.1.1. Clear2Close® Product Eligibility Matrix\n## 2.1.2. Manual Underwriting Product Eligibility Matrix\n## 2.1.3. Loan Amounts > FHFA Max Product Eligibility Matrix\n## 2.1.4. Affordable Housing/HFA Product Eligibility Matrix\n## 2.1.5. Doctor/Professional Loan Product Eligibility Matrix\n# 3.0 BORROWER ELIGIBILITY REQUIREMENTS\n## 3.1. Eligible Borrowers\n## 3.2. Ineligible Borrowers\n## 3.3. Credit Report Requirements and Analysis\n## 3.4. Income – Acceptable Sources of Income and Documentation","[{\"question\":\"What does the Underwriting Guideline Manual cover at a high level?\",\"answer\":\"It provides underwriting standards for mortgage insurance, including an introduction to underwriting philosophy, automated underwriting systems, product eligibility matrices, and borrower eligibility requirements covering credit report and income documentation.\"},{\"question\":\"How does the manual address automated underwriting systems (AUS)?\",\"answer\":\"It includes guidance on AUS concepts, approved agency AUS systems, other proprietary AUS systems, and delegated underwriting authority.\"},{\"question\":\"What borrower eligibility topics are included?\",\"answer\":\"It covers eligible and ineligible borrowers, credit report requirements and analysis (such as FICO score and trade lines), payment history, credit re-established scenarios, bankruptcy, foreclosure, judgments and liens, consumer credit counseling, credit report errors, and non-traditional or invalid credit score cases.\"}]","Underwriting Guideline Manual - Version 4.5 - April 4, 2022 | PDF",116]