Non-QM Mortgage Program
A zero-down financing program that allows for up to 101.5% LTV to include closing costs, with no income cap and no requirement for first-time homebuyers.
Underwriting at a glance
- Minimum FICO
- 600+
- Max LTV (purchase / rate-term)
- 101.5%
- Max LTV (cash-out)
- -
- Loan amount
- ? - $1,250,000
- Documentation
- full-doc
- States
- AZ, CA, GA, IL, MA, MO, RI, NJ, VA, AK, AL, AR, CO, CT, DC, DE, FL, HI, IA, ID, IN, KS, KY, LA, MD, ME, MI, MN, MS, MT, NC, ND, NE, NH, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, WA, WI, WV, WY
Highlights
- •101.5% LTV option to include closing costs
- •No income cap
- •First-time homebuyer not required
- •Decisions made in-house
- •101.5% financing option to include closing costs
- •Not limited to first-time homebuyers
- •Not limited to first time homebuyers
- •Up to 2 units allowed
- •Min FICO 620
- •Loans up to $1.25M
Want to see if you qualify?
Tell us about your scenario - we'll come back with current pricing and exact guidelines.
Program guidelines and rates can change at any time without notice. Last confirmed 8/21/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.250%
6.288% APR
FHA
5.750%
5.780% APR
VA
5.750%
5.780% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.