Non-QM Mortgage Program
Non-QM loan programs now featuring no seasoning requirements for cash-out refinances and expanded eligibility for agricultural properties on an exception basis.
Underwriting at a glance
- Minimum FICO
- 580+
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- 70%
- Loan amount
- -
- Documentation
- alt-doc, 12mo-bank-stmt, 24mo-bank-stmt
- States
- most states
Highlights
- •No seasoning requirement for cash-out refinances
- •Agricultural properties and zoning eligible on an exception basis
- •No reserves required on purchase and rate/term transactions under specific conditions
- •100% value allowed for vested stocks, bonds, and mutual funds
- •Foreclosure seasoning reduced to 4 years
- •Short-term rental income allowed with 12-month history
- •Non-warrantable condos and condotels now eligible
- •Expanded ADU eligibility for 1-4 unit properties
- •Gift funds allowed on all occupancy types including investment properties
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 6/25/2026. 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.