Non-QM Mortgage Program
A zero-down financing program that allows for up to 101.5% LTV to cover closing costs, available to both first-time and repeat homebuyers with no income caps.
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% LTV option to include closing costs
- •First-time homebuyer not required
- •No income cap
- •Decisions made in-house
- •101.5% financing option to include closing costs
- •Not limited to first-time homebuyers
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 6/25/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.125%
6.164% APR
FHA
5.500%
5.531% APR
VA
5.500%
5.530% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.