Non-QM Mortgage Program
A Non-QM program featuring a simplified 4-question Streamline WVOE for income qualification, available for purchase, refinance, and investment properties.
Underwriting at a glance
- Minimum FICO
- 660+
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- -
- Loan amount
- $150,000 - $3,000,000
- Documentation
- wvoe
- States
- most states
Highlights
- •Simple 4-question Streamline WVOE completed by employer or accountant
- •No 4506C required
- •100% gift funds allowed including for investment properties
- •Working for family members allowed
- •ITIN borrowers eligible
- •Non-permanent residents with valid EAD/VISA eligible
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 5/15/2026. 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.