Loan impact
Summarized from the announcement · needs reviewApplies to: Delegated correspondent Clean Slate full and alternative documentation loans.
- Addressed to
- Arc Home correspondent sellersFrom the publisher, not quoted from the text
- Investor
- ArchomeFrom the publisher, not quoted from the text
- Affected area
- Eligibility
- Effective
- Aug 20, 2026
- Applicability confidence
- Needs review: some rows could not be matched to a quote from the source
Summary by AWACS. Arc Home's guide is proprietary, so AWACS does not reproduce its text. Read the official announcement ↗ (opens in a new tab)
What changed
Summarized from the announcement| Requirement | Previously | Now |
|---|---|---|
| Maximum debt-to-income ratio reduction from 55 percent to 50 percentTightenedRequired | Previously: Debt-to-income ratios up to 55 percent were permitted, with ratios above 50 percent requiring an exception and capped at 75 percent LTV. | Debt-to-income ratios are capped at 50 percent instead of the previous 55 percent maximum. |
What to do
AWACS interpretation · not source languageWhat to review: Review the mandatory reduction of the maximum debt-to-income ratio ceiling from 55 percent to 50 percent for delegated Clean Slate full and alternative documentation loans.
Enforce the reduced maximum debt-to-income ratio limit of 50 percent on delegated Clean Slate full and alternative documentation loans effective August 20, 2026.
Update delegated Clean Slate full and alternative documentation product guidelines to cap maximum debt-to-income ratios at 50 percent effective August 20, 2026.
QC implications
- Test delegated Clean Slate full and alternative documentation loans registered on or after August 20, 2026, to ensure debt-to-income ratios do not exceed 50 percent.
Source and record
Version 2 · archivedChecks
Source verified: Passed
The document ID, link and publication date match the official source.
Quotes match the source: Passed
Every quoted passage appears word for word in the official document.
Requirements backed by the source: Passed, adjusted automatically
Anything marked required is backed by the requirement language and dates in the source.
- A detail the source does not support was removed or adjusted
- An independent check could not confirm which loans a change applies to; those conditions were removed
In scope: Passed
The document is about residential mortgage lending.
Format and labels: Passed, adjusted automatically
The record follows the AWACS format and uses its standard labels.
- A detail the source does not support was removed or adjusted
Source
- Delegated Correspondent Announcement Clean Slate Full/Alt Doc Product Update (2026-08-25) (official) ↗ (opens in a new tab)
- Archived copy, SHA-256 b2bc992d6b63…
- Report an error · How versions work
Version history
- Version 2 (current)Recorded
- Version 1Recorded