Introducing Arch MI Equity Secure

Insure second liens to boost your profitability while reducing risk
Insure Second Liens with Arch MI Equity Secure
Home equity lending opportunities open up when homeowners are “locked“ in by interest rates and unwilling to sell — but have record amounts of equity.
For these customers, some large financial purchases can’t wait. Second-lien loans for home improvements, debt consolidation or college tuition are a way for you to build volume, profitability and referrals.
Compete Successfully for Second-Lien Business with AMAC’s Equity Secure
Approve more of these loans when you have a trusted partner to insure them. Arch Mortgage Assurance Company (AMAC) is a credit agency-rated, admitted insurer of second liens, affiliated with Arch Mortgage Insurance Company.
Through AMAC’s Arch MI Equity Secure® (Equity Secure), it offers a simple, innovative coverage program that helps you expand your home lending offerings while transferring the risk to AMAC.

Why Choose Equity Secure?
Highly rated by Morningstar DBRS for financial strength, sound controls and ability to provide long-term, consistent protection.
Value-based pricing, with premiums based only on CLTV and FICO® scores and paid monthly on the outstanding loan balance for all loan types.
GSE-aligned guidelines that cover most lending situations:
- Balloons.
- ARMs (down to three-year).
- Up to 95% CLTV.
- 660 FICO minimum.
- Loan amounts up to $250,000.
- Single-bureau credit report (FICO) is sufficient.
- AVMs, Exterior or current-year-tax-assessed value are permitted in many loan instances.
- Up to four members on a loan.
Get Safe, Fast Coverage with Equity Secure:
Easy to Use | Stop-Loss Security | Covers Four Second-Lien Loan Types |
---|---|---|
With delegated underwriting model, customers simply submit a monthly account report to AMAC. | Limit of liability runs with the policy period and is equal to 10% of insured loan maximums (full line amount for open-end and full initial loan amount for closed-end). | • Home equity lines of credit. • Home equity loans. • Purchase money seconds (closed-end). • Purchase money seconds (open-end). |
Timely turn and response times, with no impact on your speed to funding. | Liability pool structure pays up to 100% of approved claims, as long as aggregate claims for the policy period do not exceed the limit of liability. | |
No foreclosures required, no REO costs to deal with. |
Partner with Us for Second-Lien Success
Contact your Arch MI Account Manager to discuss how Equity Secure can meet your needs and apply for an AMAC Master Policy.
Find Your Account Manager