Non-QM Mortgage Program
A flexible Non-QM program that allows borrowers to combine multiple income sources including W2, 1099, rental, and bank statements to qualify for higher loan amounts without requiring tax returns.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- alt-doc, 12mo-bank-stmt, 24mo-bank-stmt, 1099-only, wvoe
- States
- most states
Highlights
- •Combine W2, 1099, rental, and bank statement income
- •No tax returns required
- •Assets accepted regardless of age
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 5/11/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.250%
6.288% APR
FHA
5.750%
5.780% APR
VA
5.750%
5.780% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.