Non-QM Mortgage Program
A closed-end second lien program that allows borrowers to access equity in primary residences, second homes, and investment properties without refinancing their first mortgage. It offers flexible income documentation options or DSCR qualification.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 85%
- Max LTV (cash-out)
- -
- Loan amount
- ? - $1,000,000
- Documentation
- 12mo-bank-stmt, 24mo-bank-stmt, 1099-only, p-and-l, dscr-only, asset-depletion, full-doc
- States
- most states
Highlights
- •Cash-out without disturbing the first lien
- •Up to 85% Max CLTV
- •DSCR qualification available
- •Multiple income documentation options including bank statements and P&L
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 5/12/2026. 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.