Arch MI offers simple and clear mortgage insurance programs and products that help expand homeownership opportunities for your borrowers while protecting you against the risk of possible default.

EZ Decisioning

With EZ DecisioningSM, Arch MI delivers faster, easier, more convenient MI approvals with just a few simple guideline overlays. Conforming loans that meet our EZ Decisioning guidelines and receive a DU® Approve/Eligible or LP® Accept/Eligible are eligible for submission with the AUS indicated documentation.


Arch MI’s Construction-to-Permanent program provides a commitment to insure the permanent financing which may be activated either at inception of the interim/construction loan or when construction is completed and the home’s long-term financing is in place.

First Time Home Buyer Initiatives

Arch MI recognizes that first-time homebuyers can face significant challenges. We support state, federal and local programs that can help them prepare responsibly for homeownership and offer practical assistance with the down payment.

Fannie Mae’s HomeReady and Freddie Mac’s Home Possible

Arch MI supports the Agencies’ affordable loan products – Fannie Mae’s HomeReady and Freddie Mac’s Home Possible. For more information on the products visit the Fannie Mae and Freddie Mac websites. Also see the Arch MI Underwriting Manual for our requirements. Also see the Arch MI Underwriting Manual for our requirements.

Downpayment Assistance Programs/HFA

Arch MI works with state housing finance agencies to insure eligible loans that use their down-payment-assistance plans.

Homebuyer Education

To help borrowers prepare for the challenges and responsibilities of homeownership, Arch MI believes that prospective homebuyers can benefit from homebuyer education programs sponsored by community, nonprofit and governmental agencies for prospective homebuyers across the country can be useful. The U.S. Department of Housing and Urban Development (HUD) identifies some of these housing counseling agencies by state on their Website. These programs offer advice on understanding the home buying process, default prevention, and credit management. Research has shown that the mortgage loans of borrowers who completed face-to-face homebuyer education performed better compared to those who did not, a positive outcome for both lenders and their borrowers.