A few of our MI partners announced recently some changes to their guidelines for borrowers with DTIs exceeding 45%. 

• MGIC announced that effective with mortgage insurance applications received March 1, 2018 they will insure loans with DTIs exceeding 45% only when the Representative Credit Score is 700 or greater.
• Genworth announced that, effective March 19, 2018, Genworth will insure loans with debt-to-income (DTI) ratios exceeding 45% only when the Representative Credit Score is 700 or greater.

The following MI providers are acceptable to CMG.  When necessary, your CMG underwriter will request mortgage insurance from the MI company where the borrower fits meets their current requirements.

Arch - https://mi.archcapgroup.com/

Genworth - http://www.mortgageinsurance.genworth.com/

National - http://www.nationalmi.com/guidelines-summary/

Radian - http://www.radian.biz/page?name=RatesAndGuidelinesNew

MGIC - http://www.mgic.com/

Essent - http://www.essent.us/