Non-QM Mortgage Program
A closed-end second mortgage program offering flexible income documentation including bank statements, P&L, 1099, WVOE, DSCR, and full doc options with up to 90% CLTV.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- -
- Loan amount
- ? - $850,000
- Documentation
- 12mo-bank-stmt, 24mo-bank-stmt, p-and-l, 1099-only, wvoe, dscr-only, full-doc, asset-depletion
- States
- most states
Highlights
- •90% CLTV available
- •Not a HELOC
- •Available in Bank Statement, P&L, 1099, WVOE, DSCR and Full Doc
- •Interest-only options available for owner-occupied properties
- •Asset depletion income documentation available for owner-occupied properties
- •Asset depletion income documentation available
- •Available in multiple income documentation types
- •Access equity without affecting first mortgage rate
- •Available in bank statement, P&L, 1099, WVOE, DSCR, and full doc
- •Minimum 1 year self-employment history allowed with specific conditions
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 6/17/2026. 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.