Non-QM Mortgage Program
Non-QM loan program utilizing profit and loss statements for income qualification with LTVs up to 85%.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 85%
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- p-and-l
- States
- most states
Highlights
Reach out for current guideline highlights specific to your scenario.
Want to see if you qualify?
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Program guidelines and rates can change at any time without notice. Last confirmed 5/22/2026. 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.