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
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 5/9/2026. 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.