RateStar

Get Our Most Competitive Rates with RateStar

The RateStar^® platform delivers continuous innovation, enabling you to originate more mortgages, reach new customer segments and compete efficiently with our exclusive tools — RateStar Buydown℠, RateStar Refinance Retention and RateStar dynamic pricing.

RateStar was the industry’s first risk-based premium pricing tool and has since become the preferred choice of credit unions, offering a streamlined portal, updated features and powerful capabilities:

• Our express quote requires minimal data entry for an instant response.
• Our fully customizable rate quote option provides more precise MI pricing.
• A simplified, user-friendly interface.
• Support for all applicable MI pricing options.
• Reduced processing time equals faster results regardless of the pricing option.

Lower MI Premiums with RateStar Refinance Retention

RateStar Refinance Retention enables you to offer refi customers the option of a reduced monthly borrower-paid MI premium when refinancing their Arch MI-insured mortgage. There are two key parameters:

• The member’s loan must be insured with an active Arch MI certificate.
• Whether MI was previously lender-paid or borrower-paid, the new loan must be set up with Arch MI’s monthly borrower-paid MI (BPMI) premium.

Customize MI Payments with RateStar Buydown

The industry’s leading MI buydown tool, RateStar Buydown makes it easy to experiment with different combinations of upfront and monthly payments:

• Create a unique MI premium payment customized to your member’s needs.
• Buy down the MI using all available lender and/or seller credits and member funds — no money left on the table.
• Lower premium payments allow more loans to qualify for GSE loan requirements.*

* For example, Fannie Mae Debt-to-Income ratios and/or Freddie Mac Automated Underwriting System approval.