Product Guidelines

 

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Choose Arc Home for the most diverse Non-QM products. With flexible terms, jumbo limits, and varied documentation options, the Arc Home Non-QM products make it easier for brokers to qualify more borrowers.

 

Access & Edge

Access & Edge Agency Plus

  • Full Doc eligibility
  • Access – Up to $3.5mm loan amount, max 90% LTV, FICO down to 660
  • Edge – Max 85% LTV, up to $3.0mm loan amount, FICO down to 660
  • View Product Matrix

 

Access Clean Slate

  • Full and Alt Doc eligibility
  • Offers 1x30 housing history OR derogatory credit seasoned 12-48 months
  • Loan amounts to $1.5mm with 620 FICO
  • Up to 85% LTV
  • View Product Matrix

 

Access & Edge DSCR

  • Loan amounts to $3.0mm
  • Access – Up to 80% LTV, DSCR down to .75, minimum 640 FICO
  • Edge – DSCR down to 1.0, up to 80% LTV, minimum 700 FICO
  • View Product Matrix

Access Alt Income - Asset Utilization

  • Divide eligible assets by 60 months to calculate income!
  • Loan amounts to $3.0mm
  • Up to 80% LTV
  • FICO down to 660
  • View Product Matrix

 

Access Alt Income – Asset Qualifier

  • No income or DTI calculation - qualify on asset balance!
  • Loan amounts to $2.5mm
  • Up to 70% LTV
  • FICO down to 640
  • View Product Matrix

 

Access & Edge Alt Income – Bank Statements, 1-Year Full Doc, CPA P&L, 1099s

  • 12- and 24-month bank statement options
  • 1- and 2-year 1099 available
  • Access – Up to $3.0 loan amount, max 90% LTV, FICO down to 660
  • Edge – Max 85% LTV, up to $3.0mm loan amount, FICO down to 660
  • View Product Matrix


Foreign National

Foreign National

 

Non-QM Important Links

Arc Guideline Update Summary

Arc Underwriting Guide - Log in to view

Non-Agency Product Pitch Book

Non-QM Forms

Policies, Forms & Resources

Calculators

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Arc Home's Elite Non-Agency loan solutions empower borrowers with more purchase power, whether for primary residences or second homes.

 

Elite Agency Plus

  • Full Doc eligibility; may supplement with Asset Utilization
  • Loan amounts to $3mm
  • Up to 89.99% LTV - no MI
  • FICO down to 640
  • View Product Matrix

 

Elite Alt Income - Bank Statements, 1-Year Full Doc, 1099s

  • 24-month personal and business bank statement options
  • 2-year 1099 available
  • Up to 80% LTV
  • Loan amounts to $3mm with 680 FICO
  • View Product Matrix

Elite Alt Income - Asset Utilization

 

Elite QM Important Links

Arc Guideline Update Summary

Elite QM Forms

Arc Underwriting Guide - Log in to view

Non-Agency Product Pitch Book

Policies, Forms & Resources

Calculators

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Arc Home’s expansive portfolio of Second Home and Non-Owner-Occupied loan programs offer Non-QM and Non-Agency options. From a dream summer home to growing your investment portfolio, Arc home has the solution.

 

Conventional 30 Year Fixed Rate Investment Property

  • Loan amounts to $2mm
  • Up to 85% LTV - no MI
  • FICO down to 640
  • AUS Underwriting - DU Approve or LPA Accept
  • View Product Matrix

 

Access & Edge DSCR

  • Loan amounts to $3.0mm
  • Access – Up to 80% LTV, DSCR down to .75, minimum 640 FICO
  • Edge – DSCR down to 1.0, up to 80% LTV, minimum 700 FICO
  • View Product Matrix

FNMA/FHLMC 30 Yr Fixed Second Home & FNMA/FHLMC 30 Yr Fixed Investment

  • Loan amounts from $100,000 to Conforming loan limit
  • Up to 80% LTV
  • Credit score per AUS
  • AUS Underwriting - DU Approve/Eligible or LPA Accept
  • View Product Matrix

 

Foreign National

 

Non-Primary Important Links

Policies, Forms & Resources

Non-Agency Product Pitch Book

Fannie Mae Selling Guide

Freddie Mac Selling Guide

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Arc Home provides a full array of prime mortgage products, including Conventional and GSE options. Arc Home can meet the needs of all borrowers while providing top level pricing and service.

 

Fannie Mae

 

Freddie Mac

 

USDA

FHA

 

VA

 

Conventional and Government Important Links

Conventional Overlays

Government Overlays

Fannie Mae Selling Guide

Freddie Mac Selling Guide

Policies, Forms & Resources

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Arc Home’s Jumbo products are designed to meet the needs of high-end and luxury borrowers. With loan limits to $3mm, make Arc Home your lender of choice for your Jumbo loan needs.

 

Jumbo Express

Jumbo Prime

 

Jumbo Important Links

Policies, Forms & Resources