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Payment forbearance can be a useful tool to assist a borrower through a temporary hardship. Arch MI’s approval is not required for a forbearance agreement, provided no other terms of the loan will be modified and no amount will be capitalized into the loan balance. If you wish to forbear payments in conjunction with modification of the loan terms, please contact Arch MI’s Loss Mitigation team. All GSE loans are delegated and no additional approval is required when GSE guidelines are followed. Forbearances due to COVID-19 are expected to be reported to Arch MI in your regular monthly reporting, whether by MILAR or spreadsheet/email, to To avoid cancellation of a certificate that you want to keep in force during the forbearance, please continue to remit the mortgage premium during the forbearance period.

Claim Filing Timing Reminder and Temporary Extension for Supplemental Claims

Reminder: Claims should be filed within 60 days after the earlier of acquiring the Borrower’s Title to the Property or a pre-foreclosure Third-Party Sale. In states with post-sale redemption rights, Claims should be filed within 60 days once the redemption period has expired. Please see section 6.1 of the Delinquency and Claims Reference Guide.

Extension for Filing Supplemental Claims with Trailing Expenses: This extension has been granted in response to COVID-19 restrictions and moratoriums. Supplemental Claims for previously unreported advances — also called trailing expenses — may be submitted within 90 days of the initial Claim payment. For claims paid between 3/1/2020 and 9/30/2020, Arch MI is extending the period to submit supplemental Claims for trailing expenses to 180 days of the initial Claim payment. See section 9.4 of the Delinquency and Claims Reference Guide for more information about supplemental Claims.

Arch MI’s Loss Mitigation specialists are ready to work closely with you to develop loss mitigation strategies through innovative programs designed to preserve homeownership, and to process workout requests in a timely manner. We also have resources available to assist you in reaching out to your borrowers to try to resolve defaults as satisfactorily as possible.

Loss Mitigation Claims Contact Information

  • Loss Mitigation requests for shorts sales and deeds in lieu
  • Foreclosure bidding instructions
  • REO offer approvals
  • Claims filing instructions
  • Home Preservation
  877-642-4642 (Option 2, Option 2)
  8:30 am - 5:00 pm ET


Modification Guide
Modification Request Form