Non-QM Mortgage Program
Non-QM loan programs including second liens, currently eligible for a 25 bps pricing incentive on new submissions.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- -
- States
- AZ, CA, CO, CT, DE, GA, IL, MA, MD, NC, NJ, NV, OH, OK, OR, PA, SC, TN, TX, UT, WA
Highlights
- •Includes 2nd lien options
- •Extra 25 bps pricing incentive available through May 31, 2026
- •Available across Wholesale and Correspondent channels
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 5/26/2026. 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.