Non-QM Mortgage Program
A non-QM loan program for 1099 earners that qualifies borrowers using up to 90% of gross 1099 income without requiring tax returns.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- -
- Loan amount
- ? - $3,500,000
- Documentation
- 1099-only
- States
- most states
Highlights
- •Qualify using 90% of gross 1099 earnings
- •No tax returns required
- •Combine with other income sources like W2, bank statements, or assets
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 5/10/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
5.875%
5.906% APR
FHA
5.375%
5.405% APR
VA
5.375%
5.402% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.