Non-QM Mortgage Program
A non-QM loan program for 1099 earners that allows for income qualification using 1099 statements with up to 90% LTV.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- 1099-only
- States
- most states
Highlights
- •10% automatic expense ratio for 1099 income
- •Accepts 1099 income for non-business owners
- •Same-day pre-qualification with income analysis available
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 5/16/2026. 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.