Non-QM Mortgage Program
A no-income, no-doc, no-ratio loan program designed for borrowers who do not meet traditional underwriting guidelines. It supports purchase, rate/term, and cash-out transactions with loan amounts up to $3M.
Underwriting at a glance
- Minimum FICO
- 620+
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- -
- Loan amount
- ? - $3,000,000
- Documentation
- no-income
- States
- most states
Highlights
- •True no income, no doc, no ratio requirements
- •Loan amounts up to $3M
- •First-time homebuyers welcome
- •Gift funds allowed
- •Up to 80% LTV with 720 FICO
- •Rural properties up to 20 acres eligible
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 5/12/2026. 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.