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 Guidelines (PDF)
- Construction-to-Permanent Quick Reference Guide (PDF)
- Required Documents (PDF)
- Arch Mortgage Guaranty Company (AMGC) Guidelines
Customer Announcements
- CA 2025-03 – Arch MI EZ Decisioning Credit Score Requirement Update
- CA 2025-02 – Arch MI Expands EZ Decisioning Loan Limits to Support Higher Conforming Loans
- CA 2025-01 – Arch MI Expanded UW Requirements
- CA 2024-04 – Conforming and Jumbo Loan Limits Increase, Effective Immediately
- CA 2024-03 – EZ Decisioning Expanded Conforming Loan Limits, Effective Immediately (PDF)
- CA 2024-02 – EZ Decisioning Supports Expanded Manufactured Home Eligibility (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 lender 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.
Learn moreCustomer Announcements
-
10/15/2025 — Customer Announcements
CA 2025-03 – Arch MI EZ Decisioning Credit Score Requirement Update
-
09/24/2025 — Customer Announcements
CA 2025-02 – Arch MI Expands EZ Decisioning Loan Limits to Support Higher Conforming Loans
-
01/17/2025 — Customer Announcements
CA 2025-01 Arch MI Expanded UW Requirements
-
12/05/2024 — Customer Announcements
CA 2024-04 – Conforming and Jumbo Loan Limits Increase, Effective Immediately
-
09/25/2024 — Customer Announcements
CA 2024-03 – EZ Decisioning Expanded Conforming Loan Limits, Effective Immediately
-
03/27/2024 — Customer Announcements
CA 2024-02 – EZ Decisioning Supports Expanded Manufactured Home Eligibility
-
01/24/2024 — Customer Announcements
CA 2024-01 – Expanded Medical and Dental Professionals Program and Additional Underwriting Requirement Updates, Effective Immediately
-
12/06/2023 — Customer Announcements
CA 2023-06 – Conforming and Jumbo Loan Limits Increase, Effective Immediately
-
10/18/2023 — Customer Announcements
CA 2023-05 – EZ Decisioning Allows 2 to 4 Units at 95% LTV
-
10/06/2023 — Customer Announcements
CA 2023-04 – Expanded EZ Decisioning Loan Limits
-
07/10/2023 — Customer Announcements
CA 2023-03 – Freddie Mac’s HeritageOne Program
-
04/07/2023 — Customer Announcements
CA 2023-02 – Safe at Home — State Address Confidentiality Programs
-
01/20/2023 — Customer Announcements
CA 2023-01 – Arch MI Underwriting Changes, Effective Immediately
-
12/06/2022 — Customer Announcements
CA 2022-04 – Conforming and Jumbo Loan Limits Increase, Effective Immediately
-
09/23/2022 — Customer Announcements
CA 2022-03 – Expanded EZ Decisioning Loan Limits
-
07/20/2022 — Customer Announcements
CA 2022-02 — Equifax Coding Error Incident
-
03/01/2022 — Customer Announcements
CA 2022-01 – Desktop Appraisal Eligibility and Expanded Medical and Dental Professionals Program
-
12/06/2021 — Customer Announcements
CA 2021-10 – Conforming and Jumbo Loan Limits Increase, Effective Immediately
-
10/12/2021 — Customer Announcements
CA 2021-09 – EZ Decisioning Expanded Loan Limits for 1-4 Units – Effective October 12, 2021
-
10/01/2021 — Customer Announcements
CA 2021-08 – Arch MI Underwriting Manual Update Reflects EZ Decisioning Credit Score and Other Changes
-
09/22/2021 — Customer Announcements
CA 2021-07 – EZ Decisioning LTV/CLTV for 2–4 Units and Misc. Updates
-
08/27/2021 — Customer Announcements
CA 2021-06 – EZ Decisioning Program and Updated Credit Score Eligibility in Desktop Underwriter Version 11.0 — Effective September 18, 2021
-
06/07/2021 — Customer Announcements
CA 2021-04 – Arch MI Underwriting Requirement Changes Effective June 7, 2021
-
05/27/2021 — Customer Announcements
CA 2021-03 – Arch MI Supports Fannie Mae’s RefiNow and Freddie Mac’s Refi Possible Programs
-
01/11/2021 — Customer Announcements
CA 2021-01 – Standard Underwriting Requirements — Additional Loan Limit Increase for 1-Unit Properties, Effective Immediately
-
12/08/2020 — Customer Announcements
CA 2020-12 – Conforming Loan Limits Increase for 2021
-
11/18/2020 — COVID-19
CA 2020-11 – COVID-19 — Updates and Extensions to Temporary Underwriting Requirements
-
11/02/2020 — Customer Announcements
CA 2020-10 – Arch MI Underwriting Manual Update
-
07/14/2020 — COVID-19
CA 2020-09 – COVID-19 — Extension and Updates of Temporary Underwriting Requirements
-
06/25/2020 — COVID-19
CA 2020-08 – COVID-19 — Extension of Temporary Underwriting Requirements
-
05/07/2020 — COVID-19
CA 2020-05 – COVID-19 — Updates to Temporary Underwriting Requirements
-
04/14/2020 — COVID-19
CA 2020-04 – COVID-19 — Additional Temporary Underwriting Requirements
-
03/31/2020 — COVID-19
CA 2020-03 – COVID-19 — Additional Temporary Underwriting Requirements
-
03/24/2020 — COVID-19
CA 2020-02 – COVID-19 — Arch MI’s Temporary Underwriting Requirement Flexibilities
-
03/01/2020 — Customer Announcements
CA 2020-01 – Arch MI Underwriting Manual Update – Effective March 1, 2020.
-
12/28/2019 — Customer Announcements
CA 2019-05 – Taxpayer First Act – Effective December 28, 2019
-
12/06/2019 — Customer Announcements
CA 2019-04 – Conforming Loan Limits Increase – 12/6/19
-
Customer Announcements
CA 2019-03 – The Arch MI Underwriting Manual was updated – Effective October 7, 2019
-
05/07/2019 — Customer Announcements
CA 2019-02 – Medical and Dental Professionals Program Expansion – Effective May 7, 2019
-
04/11/2019 — Customer Announcements
CA 2019-01 – Use of Third-Party Vendors to Calculate Self-Employed Income – 4/11/19
-
12/04/2018 — Customer Announcements
CA 2018-07 – Conforming Loan Limits Increase in 2019 – 12/4/18
-
11/15/2018 — Customer Announcements
CA 2018-06 – Arch MI Underwriting Manual Updates – 11/15/18
-
10/17/2018 — Customer Announcements
CA 2018-05 – Freddie Mac Bulletins 2018-15 and 2018-16 – Selling Guide Updates – 10/17/18
-
09/21/2018 — Customer Announcements
CA 2018-04 – Freddie Mac Bulletin 2018-13 and Fannie Mae Announcement SEL-2018-07 – Selling Guide Updates – 9/21/18
-
06/26/2018 — Customer Announcements
CA 2018-03 – Fannie Mae Announcement SEL-2018-05 – Selling Guide Updates, Including Project Standard Updates and MH Advantage – 6/26/18
-
01/04/2018 — Customer Announcements
CA 2018-01 – Underwriting Manual Update and Underwriting Requirement Changes and Clarifications – 1/4/18
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.
Download our calculators and start using them todayUW 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.
Learn more about Contract Underwriting