Non-QM Mortgage Program
Flexible Non-QM second mortgage solutions for self-employed and complex borrowers with loan amounts up to $1MM and CLTV up to 85%.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 85%
- Max LTV (cash-out)
- -
- Loan amount
- ? - $1,000,000
- Documentation
- alt-doc, 12mo-bank-stmt, 24mo-bank-stmt
- States
- most states
Highlights
- •Up to 85% CLTV on bank statement programs
- •Loan amounts up to $1MM
- •Flexible income qualification for self-employed borrowers
- •24-48 hour turn times
- •Flexible income qualification options
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 6/30/2026. 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.