Product Guidelines

Choose Arc Home for the most diverse Non-QM product suite. With flexible terms, jumbo limits, and varied documentation options Arc’s Access product suite makes it easier for brokers to qualify more borrowers.
Access Agency Plus
- Full Doc eligibility; may supplement with Asset Utilization
- Loan amounts to $3.5mm
- Up to 90% LTV with 660 FICO
- 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 DSCR
- Loan amounts to $2.5mm
- Up to 80% LTV
- FICO down to 640
- 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 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
- Up to 90% LTV with 700 FICO
- Loan amounts to $3mm
- View Product Matrix
Access Non-QM Important Links
Access NQM and Elite QM Update Summary
Selling Guide - Access & Elite - Log in to view
Access Non-QM Forms
Policies, Forms & Resources
Access and Elite Calculators
Selling Guide - Access & Elite - Log in to view
Access Non-QM Forms
Policies, Forms & Resources
Access and Elite Calculators
Access Non-QM Forms
Policies, Forms & Resources
Access and Elite Calculators
Policies, Forms & Resources
Access and Elite Calculators
Access and Elite Calculators

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
- Loan amounts to $3mm
- Up to 80% LTV
- FICO down to 680
- View Product Matrix
Elite QM Important Links
Access NQM and Elite QM Update Summary
Elite QM Forms
Selling Guide - Access & Elite - Log in to view
Policies, Forms & Resources
Access and Elite Calculators
Elite QM Forms
Selling Guide - Access & Elite - Log in to view
Policies, Forms & Resources
Access and Elite Calculators
Selling Guide - Access & Elite - Log in to view
Policies, Forms & Resources
Access and Elite Calculators
Policies, Forms & Resources
Access and Elite Calculators
Access and Elite Calculators

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 DSCR
- Loan amounts to $2.5mm
- Up to 75% LTV
- FICO down to 680
- 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
Non-Primary Important Links
Policies, Forms & Resources
Fannie Mae Selling Guide
Freddie Mac Selling Guide
Fannie Mae Selling Guide
Freddie Mac Selling Guide
Freddie Mac Selling Guide

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
- Conventional and HomeReady® options
- Up to 97% LTV
- Standard and High Balance loan amounts permitted
- DU Approve/Eligible
- Fannie Mae Conforming Fixed Rate Matrix
- Fannie Mae Conforming ARM Matrix
- Fannie Mae High Balance Fixed Rate Matrix
- Fannie Mae High Balance ARM Matrix
- Fannie Mae HomeReady® Fixed Rate Matrix
- Fannie Mae HomeReady® ARM Matrix
- HomeReady® Area Median Income Lookup
Freddie Mac
- Conventional up to 95% LTV
- Home Possible® up to 97% LTV
- Standard and High Balance loan amounts permitted
- LPA Accept
- Freddie Mac Conforming Fixed Rate Matrix
- Freddie Mac Conforming ARM Matrix
- Freddie Mac Super Conforming Fixed Rate Matrix
- Freddie Mac Super Conforming ARM Matrix
- Freddie Mac Home Possible® Fixed Rate Matrix
- Freddie Mac Home Possible® ARM Matrix
- Home Possible Income and Property Eligibility Tool
FHA
- FICO down to 580
- 1-4 units, PUDs and HUD-approved condos
- Standard and High Balance loan amounts permitted
- Streamline Refinance available
- FHA Fixed Rate - Standard and High Balance Matrix
- FHA ARM - Standard and High Balance Matrix
- FHA Fixed Rate Streamline Refinance - Credit Qualifying - Standard and High Balance Matrix
- FHA ARM Streamline Refinance - Credit Qualifying - Standard and High Balance Matrix
- FHA Fixed Rate Streamline Refinance - Non-Credit Qualifying with FICO - Standard and High Balance Matrix
- FHA ARM Streamline Refinance - Non-Credit Qualifying with FICO - Standard and High Balance Matrix
- HUD/FHA Handbook 4000.1
VA
- Loan amounts to $1mm
- FICO down to 600
- Standard and High Balance loan amounts permitted
- Interest Rate Reduction Refinance (IRRRL) available
- VA Fixed Rate - Standard and High Balance Matrix
- VA 3/1 & 5/1 ARM - Standard and High Balance Matrix
- VA Fixed Rate IRRRL - Non-Credit Qualifying with FICO - Standard and High Balance Matrix
- VA 3/1 & 5/1 ARM IRRRL - Non-Credit Qualifying with FICO - Standard and High Balance Matrix
- VA Portal
Conventional and Government Important Links
Correspondent Conventional Overlays
Correspondent Government Overlays
Fannie Mae Selling Guide
Freddie Mac Selling Guide
Policies, Forms & Resources
Correspondent Government Overlays
Fannie Mae Selling Guide
Freddie Mac Selling Guide
Policies, Forms & Resources
Fannie Mae Selling Guide
Freddie Mac Selling Guide
Policies, Forms & Resources
Freddie Mac Selling Guide
Policies, Forms & Resources
Policies, Forms & Resources

Arc Home’s 3 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 (Non-Delegated Correspondent)
- Loan amounts to $3mm
- Up to 89.99% LTV - no MI
- FICO down to 660
- Jumbo Express Undewriting Manual
- Jumbo Express Product Matrix
Jumbo Prime (Non-Delegated Correspondent)
- Loan amounts to $3mm
- Up to 89.99% LTV - no MI
- FICO down to 660
- Jumbo Prime Undewriting Manual
- Jumbo Prime Product Matrices