Non-QM Mortgage Program
A non-QM second mortgage program offering up to 90% CLTV for primary, second home, and investment properties with flexible income documentation options.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- -
- Loan amount
- $75,000 - $750,000
- Documentation
- full-doc, 12mo-bank-stmt, 1099-only, wvoe, asset-depletion, dscr-only, 3mo-bank-stmt, alt-doc
- States
- AZ, CA, GA, IL, MA, MO, RI, VA
Highlights
- •Up to 90% CLTV
- •1 year self-employed allowed
- •Asset utilization for income
- •No reserves required
- •ITIN and DACA eligible
- •DSCR options available
- •Asset utilization can supplement other income
- •DSCR, ITIN, and DACA eligible
- •1-year self-employed income allowed
- •Asset utilization for income qualification
- •1-year self-employed income accepted
- •1 year self-employed accepted
- •Asset utilization available
- •Asset utilization income option
- •DSCR, ITIN, and DACA options available
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 7/13/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.125%
6.164% APR
FHA
5.500%
5.531% APR
VA
5.500%
5.530% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.