Non-QM Mortgage Program
A zero-down financing program for primary residences that allows for up to 101.5% LTV to cover closing costs, with no income caps and eligibility for 2-unit properties.
Underwriting at a glance
- Minimum FICO
- 600+
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- -
- States
- most states
Highlights
- •101.5% financing option to include closing costs
- •No income cap
- •First time homebuyer not required
- •Decisions made in-house
- •First-time homebuyer not required
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 5/28/2026. 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.