Non-QM Mortgage Program
A Non-QM cash-out refinance program that allows borrowers to refinance immediately after purchase without a waiting period, applicable to both primary and investment properties.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- 80%
- Loan amount
- -
- Documentation
- -
- States
- AZ, CA, GA, IL, MA, MO, RI, NJ, VA, AK, AL, AR, CO, CT, DC, DE, FL, HI, IA, ID, IN, KS, KY, LA, MD, ME, MI, MS, MT, NC, NE, NH, NM, OH, OK, OR, PA, SC, SD, TN, TX, UT, WA, WI, WV, WY
Highlights
- •Refinance immediately after purchase with no waiting period
- •Use lesser of appraised value or purchase price plus documented improvements
- •Title in LLC or Corp allowed for business purpose loans
- •Available for primary or investment properties
- •Max LTV up to 80%
- •Primary or investment properties eligible
- •Title in LLC or Corp OK for business purpose
- •Borrower must be original purchaser of subject property
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 8/25/2026. 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.