Underwriting
Access Guidelines, Manuals and Our Award-Winning Underwriting Team
Guidelines
- Underwriting Manual (PDF)
- EZ Decisioning Quick Reference Guide and Overlays (PDF)
- Standard Underwriting Quick Reference Guide and Overlays (PDF)
- Standard Medical and Dental Program Guidelines (PDF)
- Reduced Coverage Medical and Dental Program Guideline (PDF)
- Construction-to-Permanent Quick Reference Guide (PDF)
- Required Documents (PDF)
- Arch Mortgage Guaranty Company (AMGC) Guidelines (PDF)
Customer Announcements
- CUA 2024-04 – Conforming and Jumbo Loan Limits Increase, Effective Immediately
- CUA 2024-03 – EZ Decisioning Expanded Conforming Loan Limits, Effective Immediately (PDF)
- CUA 2024-02 – EZ Decisioning Supports Expanded Manufactured Home Eligibility (PDF)
- CUA 2024-01 – Expanded Medical and Dental Professionals Program and Additional Underwriting Requirement Updates, Effective Immediately (PDF)
- CUA 2023-06 – Conforming and Jumbo Loan Limits Increase, Effective Immediately (PDF)
Contact Underwriting
Contact Information
Our underwriters are highly qualified and trained to support customer needs through personalized attention to their loan submissions.
- Phone: 877-642-4642
- Fax: 888-763-2264
- Hours: 5:00 am – 5:00 pm Pacific time
- [email protected]
Get Help With
- Underwriting Network Support
- Confirm receipt of new loan
- Check loan status
- Confirm receipt of conditions
- Need to make changes on a loan in progress
- Want to know current turn times
- Request a loan to be expedited
Delegated Status
Arch MI recommends that eligible customers apply for delegated status. Delegated status confers a significant responsibility on the credit union but also greater autonomy, with a resulting competitive advantage in terms of faster turnaround.
For more information, contact your Arch MI Account Manager.
AMGC Creates Opportunities for Portfolio Lenders
Top-rated Arch Mortgage Guaranty Company (AMGC) offers flexible coverage and Day One rescission relief for loans that fall “outside the box.”
Review AMGC’s guidelines and learn more about its unique Master Policy.
Customer Announcements
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12/05/2024 — Customer Announcements
CUA 2024-04 – Conforming and Jumbo Loan Limits Increase, Effective Immediately
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09/25/2024 — Customer Announcements
CUA 2024-03 – EZ Decisioning Expanded Conforming Loan Limits, Effective Immediately
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03/27/2024 — Customer Announcements
CUA 2024-02 – EZ Decisioning Supports Expanded Manufactured Home Eligibility
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01/24/2024 — Customer Announcements
CUA 2024-01 – Expanded Medical and Dental Professionals Program and Additional Underwriting Requirement Updates, Effective Immediately
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12/06/2023 — Customer Announcements
CUA 2023-06 – Conforming and Jumbo Loan Limits Increase, Effective Immediately
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10/18/2023 — Customer Announcements
CUA 2023-05 – EZ Decisioning Allows 2 to 4 Units at 95% LTV
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10/06/2023 — Customer Announcements
CUA 2023-04 – Expanded EZ Decisioning Loan Limits
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07/10/2023 — Customer Announcements
CUA 2023-03 – Freddie Mac’s HeritageOne Program
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04/07/2023 — Customer Announcements
CUA 2023-02 – Safe at Home — State Address Confidentiality Programs
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01/20/2023 — Customer Announcements
CUA 2023-01 – Arch MI Underwriting Changes, Effective Immediately
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12/06/2022 — Customer Announcements
CUA 2022-04 – Conforming and Jumbo Loan Limits Increase, Effective Immediately
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09/23/2022 — Customer Announcements
CUA 2022-03-Expanded EZ Decisioning Loan Limits
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07/20/2022 — Customer Announcements
CUA 2022-02 – Equifax Coding Error Incident
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03/01/2022 — Customer Announcements
CUA 2022-01 – Desktop Appraisal Eligibility and Expanded Medical and Dental Professionals Program
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12/06/2021 — Customer Announcements
CUA 2021-10 – Conforming and Jumbo Loan Limits Increase, Effective Immediately
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10/12/2021 — Customer Announcements
CUA 2021-09 – EZ Decisioning Expanded Loan Limits for 1-4 Units – Effective October 12, 2021
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10/01/2021 — Customer Announcements
CUA 2021-08 – Arch MI Credit Union Underwriting Manual Update Reflects EZ Decisioning Credit Score and Other Changes
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09/22/2021 — Customer Announcements
CUA 2021-07 – EZ Decisioning LTV/CLTV for 2–4 Units and Misc. Updates
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08/27/2021 — Customer Announcements
CUA 2021-06 – EZ Decisioning Program and Updated Credit Score Eligibility in Desktop Underwriter Version 11.0 — Effective September 18, 2021
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06/07/2021 — Customer Announcements
CUA 2021-04 – Arch MI Underwriting Requirement Changes Effective June 7, 2021
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05/27/2021 — Customer Announcements
CUA 2021-03 – Arch MI Supports Fannie Mae’s RefiNow and Freddie Mac’s Refi Possible Programs
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01/11/2021 — Customer Announcements
CUA 2021-01 – Standard Underwriting Requirements — Additional Loan Limit Increase for 1-Unit Properties, Effective Immediately
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12/08/2020 — Customer Announcements — USMICU
CUA 2020-12 – Conforming Loan Limits Increase for 2021
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11/18/2020 — COVID-19 — USMICU
CUA 2020-11 – COVID-19 — Updates and Extensions to Temporary Underwriting Requirements
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11/02/2020 — Customer Announcements — USMICU
CUA 2020-10 – Arch MI Credit Union Underwriting Manual Update – Effective November 2, 2020
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07/14/2020 — COVID-19 — USMICU
CUA 2020-09 – COVID-19 — Extension and Updates of Temporary Underwriting Requirements
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06/25/2020 — COVID-19 — USMICU
CUA 2020-08 – COVID-19 — Extension of Temporary Underwriting Requirements
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06/02/2020 — COVID-19 — USMICU
CUA 2020-07 – COVID-19 — Temporary Underwriting Requirements for Members Using Self-Employment Income to Qualify
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05/26/2020 — COVID-19 — USMICU
CUA 2020-06 – COVID-19 — Temporary Underwriting Requirements for Members with Existing Mortgages
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05/07/2020 — COVID-19 — USMICU
CUA 2020-05 – COVID-19 — Updates to Temporary Underwriting Requirements
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04/14/2020 — COVID-19 — USMICU
CUA 2020-04 – COVID-19 — Additional Temporary Underwriting Requirements
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03/31/2020 — COVID-19 — USMICU
CUA 2020-03 – COVID-19 — Additional Temporary Underwriting Requirements
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03/24/2020 — COVID-19 — USMICU
CUA 2020-02 – COVID-19 — Arch MI’s Temporary Underwriting Requirement Flexibilities
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03/01/2020 — Customer Announcements — USMICU
CUA 2020-01 – Arch MI Credit Union Underwriting Manual Update
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12/28/2019 — Customer Announcements — USMICU
CUA 2019-05 – Taxpayer First Act
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12/06/2019 — Customer Announcements — USMICU
CUA 2019-04 – Conforming Loan Limits Increase
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10/07/2019 — Customer Announcements — USMICU
CUA 2019-03 – The Arch MI Credit Union Underwriting Manual was updated
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05/07/2019 — Customer Announcements — USMICU
CUA 2019-02 – Medical and Dental Professionals Program Expansion
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04/11/2019 — Customer Announcements — USMICU
CUA 2019-01 – Use of Third-Party Vendors to Calculate Self-Employed Income
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12/04/2018 — Customer Announcements — USMICU
CUA 2018-07 – Conforming Loan Limits Increase in 2019
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11/15/2018 — Customer Announcements — USMICU
CUA 2018-06 – Arch MI Credit Union Underwriting Manual Updates
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10/17/2018 — Customer Announcements — USMICU
CUA 2018-05 – Freddie Mac Bulletins 2018-15 and 2018-16 –Selling Guide Updates
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09/21/2018 — Customer Announcements — USMICU
CUA 2018-04 – Freddie Mac Bulletin 2018-13 and Fannie Mae Announcement SEL-2018-07 – Selling Guide Updates
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06/26/2018 — Customer Announcements — USMICU
CUA 2018-03 – Fannie Mae Announcement SEL-2018-05 – Selling Guide Updates, Including Project Standard Updates and MH Advantage
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03/16/2018 — Customer Announcements — USMICU
CUA 2018-02 – Fannie Mae Announcement SEL-2018-02 – Selling Guide Updates Including HomeStyle Renovation, HomeStyle Energy and Loans Impacted by a Disaster
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01/14/2018 — Customer Announcements — USMICU
CUA 2018-01 – Underwriting Manual Update and Underwriting Requirement Changes and Clarifications
Use Arch MI’s Advanced Calculators for Faster Analysis
AMITRAC and AMIQuIC are a set of easy-to-use worksheet calculators specifically designed for underwriters and other mortgage professionals.
UW Manual Archive
Expand Your Capacity with Our Contract Underwriting Services
When volume is high, turnarounds are tight and staff is limited, add expert support with our contract underwriters.