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.

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Underwriting Guidelines

Effective Date 1-10-2025 ARCHIVE

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Peak Portfolio Underwriting Guidelines*

Effective Date 1-10-2025 ARCHIVE

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Delegated Underwriting Program Guide

Effective Date 6-14-2022

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Credit Policy Bulletin 2025-01: Updates to Underwriting Guidelines Manual

Effective Date 1-10-2025 Past Bulletins

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Our Company's MI Disaster Policy - Updated Oct 2024

Risk Management Bulletin 2015-1

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Eligibility Recap for Simply UnderwriteSM and Standard Guidelines

Effective Date 1-10-2025

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HFA Eligibility Recap

Effective Date 1-10-2025

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Credit Union Eligibility Recap

Effective Date 1-10-2025

*Only applicable to coverage underwritten by Enact Mortgage Insurance Corporation of North Carolina. Peak Portfolio is an opt-in program and may not be available in all states at this time. Enact Mortgage Insurance Corporation of North Carolina is not a Government Sponsored Enterprise approved insurer. Additional details.

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.

View our Underwriting Manual for detailed information.

Nontraditional Credit FAQs

Check out our Nontraditional Credit Guidelines FAQs page to get more information on how we can help bridge the homeownership gap.

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