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It covers the lending policy, required compliance with applicable laws and regulations, and items not addressed in the guide. The document outlines program overview topics such as loan products, assumability, prepayment penalties, impound/escrow accounts, and geographic and insurance constraints. It then defines transaction and borrower eligibility criteria, including specific property and collateral requirements like eligible property types, rural properties, zoning, and condominiums.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/arc-nqm-underwriting-guide-section-overview/281593/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/arc-nqm-underwriting-guide-section-overview/281593.png","ImageObject",442,249,{"name":88,"@type":89},"Levi","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-19","2026-09-16",true,{"@type":98,"interactionType":99,"userInteractionCount":15},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What does the Arc NQM Underwriting Guide describe at the program level?","Question",{"text":108,"@type":109},"It explains the program overview including loan products and features, assumability, prepayment penalties (PPP), impound/escrow accounts, geographic restrictions, property and title insurance, and conflicts of interest.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"Which loan transactions are addressed under transaction eligibility?",{"text":113,"@type":109},"The guide provides criteria for multiple transaction types, including purchase transactions, non-arm’s length transactions, rate term transactions, delayed financing, cash-out refinance, Texas 50(a)(6) and Texas 50(f)(2) loans, properties listed for sale, construction-to-permanent financing, secondary financing, and seller concessions via interested third-party contributions (IPCs).",{"name":115,"@type":106,"acceptedAnswer":116},"How does the guide define borrower eligibility categories?",{"text":117,"@type":109},"It lays out eligibility by borrower type and status, such as US citizens, permanent and non-permanent resident aliens, foreign national borrowers, first-time homebuyers, non-occupant co-borrowers, inter-vivos revocable trusts, and entity vesting, and it also identifies ineligible borrowers.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},281593,1790289555,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":15,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":135,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":140,"read_time":141},7971461740909,"https://ap-avatar.wpscdn.com/davatar_155a257f0dc6eb9ab79c44ca47cae57d","Arc NQM Underwriting Guide  \nTable of Contents  \n1. Doing Business with Arc Home..................................................................................................... 5  \n1.1. Lending Policy .................................................................................................................................. 5  \n1.2. Compliance with all Laws & Regulations ......................................................................................... 6  \n1.3. Exceptions & Items Not Addressed in this Guide ............................................................................ 9  \n2. Program Overview....................................................................................................................... 9  \n2.1. Loan Products & Features ................................................................................................................ 9  \n2.2. Assumability ................................................................................................................................... 11  \n2.3. Prepayment Penalties (PPP) ........................................................................................................... 11  \n2.4. Impound/Escrow Accounts ............................................................................................................ 11  \n2.5. Geographic Restrictions ................................................................................................................. 12  \n2.6. Property and Title Insurance.......................................................................................................... 12  \n2.7. Conflicts of Interest ........................................................................................................................ 12  \n3. Transaction Eligibility ................................................................................................................ 13  \n3.1. Purchase Transaction ..................................................................................................................... 13  \n3.2. Non-Arm’s Length Transaction ........................................................................................................ 16  \n3.3. Rate Term Transaction ................................................................................................................... 16  \n3.4. Delayed Financing Transaction ...................................................................................................... 17  \n3.5. Cash-out Refinance Transaction .................................................................................................... 17  \n3.6. Texas50(a)(6) Loans ........................................................................................................................ 19  \n3.7. Texas 50(f)(2) Loans ....................................................................................................................... 20  \n3.8. Properties Listed for Sale................................................................................................................ 20  \n3.9. Construction-to-Permanent Financing........................................................................................... 21  \n3.10. Secondary Financing....................................................................................................................... 21  \n3.11. Interested Third-Party Contributions (IPCs) (Seller Concessions) .................................................. 22  \n4. Borrower Eligibility ..................................................................................................................... 22  \n4.1. US Citizens ...................................................................................................................................... 22  \n4.2. Permanent Resident Aliens ............................................................................................................ 23  \n4.3. Non-Permanent Resid","cbCaiktwWWHy4cWr","https://ap.wps.com/l/cbCaiktwWWHy4cWr","pdf",664633,62,"English","# Doing Business with Arc Home\n## Lending Policy\n## Compliance with all Laws & Regulations\n## Exceptions & Items Not Addressed in this Guide\n# Program Overview\n## Loan Products & Features\n## Assumability\n## Prepayment Penalties (PPP)\n## Impound/Escrow Accounts\n## Geographic Restrictions\n## Property and Title Insurance\n## Conflicts of Interest\n# Transaction Eligibility\n## Purchase Transaction\n## Non-Arm’s Length Transaction\n## Rate Term Transaction\n## Delayed Financing Transaction\n## Cash-out Refinance Transaction\n## Texas50(a)(6) Loans\n## Texas 50(f)(2) Loans\n## Properties Listed for Sale\n## Construction-to-Permanent Financing\n## Secondary Financing\n## Interested Third-Party Contributions (IPCs) (Seller Concessions)\n# Borrower Eligibility\n## US Citizens\n## Permanent Resident Aliens\n## Non-Permanent Resident Aliens\n## Foreign National Borrowers\n## First Time Homebuyers\n## Non-Occupant Co-Borrowers\n## Inter-Vivos Revocable Trust\n## Vesting in the Name of an Entity\n## Maximum Arc Home Exposure to Single Borrower\n## Rapid Acquisition\n## Ineligible Borrowers\n# Property and Collateral Requirements\n## Eligible Property Types\n## Rural Properties\n## Non-Conforming Zoning\n## Condominiums","[{\"question\":\"What does the Arc NQM Underwriting Guide describe at the program level?\",\"answer\":\"It explains the program overview including loan products and features, assumability, prepayment penalties (PPP), impound/escrow accounts, geographic restrictions, property and title insurance, and conflicts of interest.\"},{\"question\":\"Which loan transactions are addressed under transaction eligibility?\",\"answer\":\"The guide provides criteria for multiple transaction types, including purchase transactions, non-arm’s length transactions, rate term transactions, delayed financing, cash-out refinance, Texas 50(a)(6) and Texas 50(f)(2) loans, properties listed for sale, construction-to-permanent financing, secondary financing, and seller concessions via interested third-party contributions (IPCs).\"},{\"question\":\"How does the guide define borrower eligibility categories?\",\"answer\":\"It lays out eligibility by borrower type and status, such as US citizens, permanent and non-permanent resident aliens, foreign national borrowers, first-time homebuyers, non-occupant co-borrowers, inter-vivos revocable trusts, and entity vesting, and it also identifies ineligible borrowers.\"}]","Arc NQM Underwriting Guide - Section Overview | PDF",1789566884,22]