Weekly briefing, December 8, 2025

Applies to: Conventional loans insured by Arch MI with loan amounts within the new maximum limits, including loans with DU Approve/Ineligible or LPA Accept/Ineligible for loan amount only.

What to review: No change is mandatory. First review the new Arch MI maximum loan amounts (1-unit $832,750, or $1,249,125 in Alaska and Hawaii, and the higher 2–4-unit limits), effective immediately, which the lender may use. Then review the optional EZ Decisioning eligibility for DU Approve/Ineligible or LPA Accept/Ineligible (loan amount only) loans underwritten before the system updates and within the new limits. AWACS interpretation

Applies to: Conventional loans insured or to be insured by Essent mortgage insurance, where the loan amount is relative to the 2026 conforming loan limits.

What to review: No mandatory changes apply; the lender may review the higher 2026 conforming loan limits ($832,750 maximum, $1,249,125 high-cost area maximum), which Essent says are effective immediately in its systems, for conventional loans insured or to be insured by Essent. AWACS interpretation