AMGC EqualAccess Homeownership Program

Expand Your Affordable Lending Efforts with Our High-LTV Lending Solution

Available through top-rated Arch Mortgage Guaranty Company (AMGC), the AMGC EqualAccess Homeownership Program is an innovative MI product that combines flexible underwriting requirements with the risk protection you need.

Only AMGC offers true Day One rescission relief, so you can feel confident about retaining AMGC EqualAccess Homeownership loans in portfolio.

Use this powerful MI solution to support sustainable homeownership for low- to moderate-income members in your community who want affordable mortgages.

Occupancy Loan Purpose Property Type Minimum LTV1 Maximum LTV/CLTV2 Maximum Loan Amount Minimum Credit Score Maximum DTI
Primary ResidencePurchase and Rate/Term Refinance 1-unit, SFD/SFA, Condos, Co-ops 95.01% 97%1/105% FHFA Conforming Baseline Loan Limit 660 45%
Manufactured Homes 95.01% 97%1/105%
1 See expanded flexibilities for 95.01–97% LTVs below.
2 All subordinate financing must meet Fannie Mae’s Community Seconds® or Freddie Mac’s Affordable Seconds® requirements.

Access our most competitive rates for AMGC EqualAccess Homeownership loans with RateStar®, the industry’s leading risk-based pricing tool.

Program Highlights:

  • Members earning up to 100% of the Area Median Income (AMI) for the property location are eligible.
  • Down payments as low as 1%.
  • Gifts and grants are eligible.
  • No reserves are required.
  • 3% interested-party contributions allowed.
  • Choose from one of the four expanded flexibilities for loans with a 95.0197% LTV, as shown below:
    • 97% LTV manufactured home.
    • Qualify with a non-occupant co-borrower.
    • Qualify with boarder income.
    • Non-traditional credit.