Non-QM Mortgage Program
A flexible non-QM mortgage program designed for borrowers with credit scores as low as 500.
Underwriting at a glance
- Minimum FICO
- 500+
- Max LTV (purchase / rate-term)
- 65%
- Max LTV (cash-out)
- -
- Loan amount
- ? - $1,250,000
- Documentation
- full-doc
- States
- most states
Highlights
- •500 minimum FICO
- •Manual underwriting for expanded approvals
- •First-time homebuyers allowed with 580+ FICO
- •6 months minimum reserves
- •Cash-out proceeds allowed for reserves
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
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.