Non-QM Mortgage Program
Second mortgage program available for owner-occupied, non-owner occupied, and second homes with bank statement or full documentation.
Underwriting at a glance
- Minimum FICO
- 660+
- Max LTV (purchase / rate-term)
- 85%
- Max LTV (cash-out)
- -
- Loan amount
- $75,000 - $750,000
- Documentation
- 12mo-bank-stmt, full-doc, 3mo-bank-stmt, 1099-only, wvoe, asset-depletion, dscr-only, alt-doc, 24mo-bank-stmt
- States
- most states
Highlights
- •Loan amounts up to $750,000
- •Up to 85% CLTV
- •1 year self-employed allowed
- •Asset utilization can supplement other income
- •No reserves required
- •ITIN and DACA eligible
- •Available for owner-occupied, non-owner occupied, and second homes
- •85% CLTV
- •Available for owner occupied, non-owner occupied, and second homes
- •Second lien options for bank statement and full doc
- •Up to $700K loan amount
- •Min FICO 660
- •85% CLTV including owner occupied, non-owner occupied, and second homes
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 8/28/2026. 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.