Enact MI Underwriting Guidelines

One of the most important documents on our website! Download the Enact MI Underwriting Guidelines for details on how we evaluate loans submitted for mortgage insurance. You can also access Credit Policy updates, LTV recaps, and information about our Peak Portfolio program.

Underwriting Guidelines and Credit Policy Updates

Looking for a specific guidelines like Jumbo loans? Construction to permanent? For specific guidelines, try searching within the document or use the linked Table of Contents. For more underwriting resources, check out our selection of underwriting courses in Training Resources.

Eligibility LTV Recaps

Access our Eligibility LTV Recaps for Simply UnderwriteSM, Standard, Housing Finance Agency (HFA), and Credit Union underwrites.


Peak PortfolioSM Entity Guide and References


Expanded Nontraditional Credit Guidelines

Becoming a homeowner is a dream come true for many; however, it can be an unattainable dream for some, especially minority consumers. Obstacles in affordability can be rough speed bumps on the road to homeownership.

At Enact, we work hard to make the dream of homeownership a reality. That’s why we’ve expanded on the GSE’s nontraditional credit guidelines to create accessibility for underserved, yet credit-worthy borrowers.