Non-QM Mortgage Program
A no-ratio mortgage program for primary and second-home borrowers that does not require DTI or employment verification, now offering loan amounts up to $3M.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- ? - $3,000,000
- Documentation
- no-income
- States
- most states
Highlights
- •No DTI or employment verification required
- •Loan amounts up to $3M
- •No seasoning on cash-out
- •Only 2 months reserves required for first-time homebuyers
- •Up to 20 acres eligible
- •Crypto currency accepted for down payment and reserves
- •Non-warrantable condos eligible
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 5/10/2026. 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.