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Product Guidelines
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
- Access – Up to 80% LTV, DSCR down to .75, minimum 640 FICO, loan amount to $2.5mm
- Edge – DSCR down to .80, up to 80% LTV, minimum 700 FICO, loan amount to $3.0mm
- View Product Matrix
Access & Edge Alt Income
- Bank Statement, 1-Year Full Doc, CPA P&L, and 1099 qualifying options
- Asset Utilization and Asset Qualifier options available
- 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
Foreign National
Foreign National
- DSCR qualifying
- Loan amounts up to $1.5mm
- Up to 70% LTV
- View Product Matrix
Non-QM Important Links
Arc Guideline Update Summary
Arc Underwriting Guide - Log in to SPARC to view
Non-Agency Product Pitch Book
Non-QM Forms
Policies, Forms & Resources
Calculators
Arc Underwriting Guide - Log in to SPARC to view
Non-Agency Product Pitch Book
Non-QM Forms
Policies, Forms & Resources
Calculators
Non-Agency Product Pitch Book
Non-QM Forms
Policies, Forms & Resources
Calculators
Non-QM Forms
Policies, Forms & Resources
Calculators
Policies, Forms & Resources
Calculators
Calculators
Arc Home's Elite Non-Agency loan solutions empower borrowers with more purchase power, whether for primary residences or second homes.
Elite Jumbo Prime
- Full Doc eligibility
- Loan amounts to $2.5mm
- Up to 80% LTV
- FICO down to 660
- 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
Arc Guideline Update Summary
Elite QM Forms
Selling Guide - Access & Elite - Log in to view
Policies, Forms & Resources
Calculators
Elite QM Forms
Selling Guide - Access & Elite - Log in to view
Policies, Forms & Resources
Calculators
Selling Guide - Access & Elite - Log in to view
Policies, Forms & Resources
Calculators
Policies, Forms & Resources
Calculators
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 & Edge DSCR
- Access – Up to 80% LTV, DSCR down to .75, minimum 640 FICO, loan amount to $2.5mm
- Edge – DSCR down to .80, up to 80% LTV, minimum 700 FICO, loan amount to $3.0mm
- 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
- DSCR qualifying
- Loan amounts up to $1.5mm
- Up to 70% LTV
- 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 Underwriting 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 Underwriting Manual
- Jumbo Prime Product Matrices
Elite Jumbo Prime (Delegated and Non-Delegated)
- Full Doc eligibility
- Loan amounts to $2.5mm
- Up to 80% LTV
- FICO down to 660
- Elite Jumbo Prime Product Matrices