Enterprise Counterparties Mortgage Insurers

February 16, 2018

Fannie Mae and Freddie Mac (the Enterprises) operate under congressional charters to provide liquidity, stability, and affordability to the mortgage market. Those charters, which have been amended from time to time, authorize the Enterprises to purchase residential mortgages and codify an affirmative obligation to facilitate the financing of affordable housing for low and moderate-income families. Pursuant to their charters, the Enterprises may purchase single-family residential mortgages with loan-to-value (LTV) ratios above 80%, provided that these mortgages are supported by one of several credit enhancements identified in their charters. A credit enhancement is a method or tool to reduce the risk of extending credit to a borrower; mortgage insurance is one such method.

Spotlight

Arch Mortgage Insurance Company (Arch MI)

Arch MI leads the industry with innovation, bringing mortgage lenders unique solutions that leverage the latest technology and are backed by our financial strength and risk management expertise. Explore new, profitable opportunities when you partner with us. Take advantage of our advanced tools, products and services to stand out in the marketplace: - RateStar is the leading risk-based MI pricing solution, ensuring you receive our most competitive rates for your borrower’s loan.

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