Product Guidelines

 

banner

 

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

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

banner

 

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

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

banner

 

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

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

banner

 

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

FHA

 

VA

 

Conventional and Government Important Links

Correspondent Conventional Overlays

Correspondent Government Overlays

Fannie Mae Selling Guide

Freddie Mac Selling Guide

Policies, Forms & Resources

banner

 

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)

Jumbo Prime (Non-Delegated Correspondent)

 

Jumbo Important Links

Policies, Forms & Resources