Non-QM Mortgage Program
A closed-end second lien mortgage program available for owner-occupied, second home, and investment properties with fixed-rate terms of 10, 20, and 30 years.
Underwriting at a glance
- Minimum FICO
- 660+
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- -
- Loan amount
- $75,000 - $750,000
- Documentation
- full-doc, 12mo-bank-stmt, 24mo-bank-stmt, dscr-only
- States
- most states
Highlights
- •90% Max CLTV for Full Doc, Bank Statement, and DSCR
- •Eligible as 2nd lien only
- •AVMs available for loans up to $400,000
- •Properties with a solar lien are eligible
- •Fully disbursed at closing with no draw feature
- •85% Max CLTV
- •Non-warrantable condos eligible
- •AVMs available for loans up to $250,000
- •Properties with solar liens are 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 5/19/2026. 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.