Non-QM Mortgage Program
Limited-time offer
12.5 BPS Price Improvement on Alt Agency
Alt Agency loan program for second homes and investment properties featuring no prepayment penalties, full documentation, and adjustable rate mortgage options.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- full-doc
- States
- most states
Highlights
- •No prepayment penalty on investment or second home loans
- •Up to 90% LTV for second homes
- •Up to 85% LTV for investment properties
- •Adjustable rate mortgage options available
- •High balance options available
- •12.5 BPS price improvement for May
- •High balance option available
- •12.5 BPS price improvement
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 5/26/2026. 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.