Non-QM Mortgage Program
Non-QM loan program for non-permanent resident aliens with updated requirements for Visa and EAD card expiration timelines.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 50%
- Max LTV (cash-out)
- 50%
- Loan amount
- ? - $1,000,000
- Documentation
- -
- States
- MD
Highlights
- •Visa and EAD cards must have minimum 90 days remaining at time of funding
- •EAD cards with less than 90 days remaining require evidence of extension application
- •Investment properties not allowed in Baltimore City and Baltimore County
- •LLC vesting not allowed in Baltimore City and Baltimore County
- •Property flips not allowed in Baltimore City and Baltimore County
- •For Sale by Owner transactions not allowed in Baltimore City and Baltimore County
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 5/10/2026. 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.