Non-QM Mortgage Program
A 40-year mortgage program featuring a 10-year interest-only period followed by a 30-year fixed-rate term, designed to improve monthly cash flow.
Underwriting at a glance
- Minimum FICO
- 620+
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- full-doc, 12mo-bank-stmt, 24mo-bank-stmt, 1099-only, asset-depletion
- States
- most states
Highlights
- •10-year interest-only period
- •Fixed rate for the life of the loan
- •Available on primary residences up to 90% LTV
- •Available on DSCR investment properties up to 80% LTV
- •Principal payments allowed during interest-only period
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 5/11/2026. 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.