Weekly briefing, September 21, 2026

Applies to: Loans submitted to Arch MI for mortgage insurance, including those using the VantageScore 4.0 credit score model, which Arch MI now accepts for all its programs.

What to review: First review the mandatory requirement, effective immediately, to indicate the representative credit score model and score used to underwrite and price each transaction; then note that Arch MI accepts VantageScore 4.0 loans for all its programs from operationally ready customers, and that lenders may select the model loan by loan, applied consistently to all borrowers. AWACS interpretation

Applies to: Conventional loans serviced for Fannie Mae with mortgage insurance that may be close to or have reached the LTV requirements for termination based on current property value.

What to review: No change is mandatory, so first review Servicing Guide B-8.1-04 to decide whether to use the option, effective immediately, to proactively solicit borrowers on conventional loans serviced for Fannie Mae whose loans may be close to or have reached the LTV requirements for MI termination based on current value, and to notify them of the actions required. AWACS interpretation

Applies to: Loans insured by National MI that use VantageScore 4.0 and are DU Approve/Eligible or LPA Accept/Eligible.

What to review: No change is mandatory. National MI now accepts VantageScore 4.0 immediately, so lenders may use it for National MI-insured loans that are DU Approve/Eligible or LPA Accept/Eligible and meet GSE requirements and the VS4 score minimums in the updated TrueGuide (sections 2.3.1, 2.3.2, 2.3.3). AWACS interpretation