Non-QM Mortgage Program
A flexible Non-QM lending program offering specialized income calculations and structuring options for complex borrower scenarios.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- -
- States
- most states
Highlights
- •Expense factor flexibility down to 0% with no CPA letter
- •Income exclusions for business-paid car payments
- •Concierge pre-submission income calculations
- •Higher usable FICO approach on DSCR deals
- •Flexible structuring on rental properties without full doc restrictions
- •Income exclusions to assist with borrower qualification
- •Concierge support with pre-submission income reviews
- •Flexible DSCR structuring for difficult scenarios
- •Higher usable FICO approach on select DSCR deals
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 6/4/2026. 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.