Product Guidelines
- NON-QM
- ELITE QM
- JUMBO
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 lenders 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 Non-QM Forms Calculators
Arc Underwriting Guide Non-QM Forms Calculators
Non-QM Forms Calculators
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 Arc Underwriting Guide Calculators
Elite QM Forms Arc Underwriting Guide Calculators
Arc Underwriting Guide Calculators
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
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 and High Balance – Fixed Rate and ARM Matrix
- Fannie Mae HomeReady® – Fixed Rate and 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 and Super Conforming – Fixed Rate and ARM Matrix
- Freddie Mac Home Possible® – Fixed Rate and 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 Standard and High Balance – Fixed Rate and ARM Matrix
- FHA Streamline Standard and High Balance – Fixed Rate and ARM 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 Standard and High Balance – Fixed Rate and ARM Matrix
- VA IRRRL Standard and High Balance – Fixed Rate and ARM Matrix
- VA Portal
Conventional and Government Important Links
Correspondent Conventional Overlays Correspondent Government Overlays Fannie Mae Selling Guide Freddie Mac Selling Guide
Correspondent Government Overlays Fannie Mae Selling Guide Freddie Mac Selling Guide
Fannie Mae Selling Guide Freddie Mac Selling Guide
Freddie Mac Selling Guide
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
