Non-QM Mortgage Program
Closed-end second mortgage program for primary, secondary, and investment homes, offering fixed terms and cash-out options without refinancing the first lien.
Underwriting at a glance
- Minimum FICO
- 660+
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- 90%
- Loan amount
- ? - $750,000
- Documentation
- full-doc, 12mo-bank-stmt, 24mo-bank-stmt, dscr-only
- States
- MI, NJ, NY, TN, TX, WV
Highlights
- •Available for primary, secondary, and investment properties
- •10, 20, and 30 year fixed terms
- •AVMs available for loans up to $400,000
- •Properties with solar liens are eligible
- •Up to 50% DTI
- •Loan amounts up to $750,000
- •Max CLTV up to 90%
- •Bank statements and DSCR options available
- •AVMs available for loans <= $400,000
- •Investment properties and second homes eligible
- •10, 20, and 30-year fixed terms
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 9/30/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.750%
6.789% APR
FHA
6.250%
6.282% APR
VA
6.250%
6.281% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.