Non-QM Mortgage Program
Non-QM loan program offering flexible seasoning requirements for cash-out transactions on owner-occupied, second home, and investment properties.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- -
- States
- most states
Highlights
- •No seasoning requirement for owner-occupied and second homes with LTV 50% or less
- •No seasoning requirement for investment properties with LTV 70% or less
- •Appraised value used for LTV/CLTV calculation on properties owned 12 months or longer
- •No seasoning requirement for owner-occupied and second homes with LTV up to 50%
- •No seasoning requirement for investment properties with LTV up to 70%
- •Six month seasoning required for higher LTV cash-out transactions
- •LTV based on appraised value for properties owned 12 months or longer
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 6/4/2026. 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.