Non-QM Mortgage Program
A non-QM loan program for self-employed borrowers that uses unaudited profit and loss statements to verify income instead of bank statements or tax returns.
Underwriting at a glance
- Minimum FICO
- 660+
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- 80%
- Loan amount
- ? - $2,500,000
- Documentation
- p-and-l
- States
- most states
Highlights
- •Qualify using P&L only income
- •No bank statements or tax returns required
- •12 or 24-month P&L options
- •Owner occupied, non-owner occupied, and second homes eligible
- •No minimum tradelines with 3 FICO scores
- •1x30x12 payment history allowed
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 5/16/2026. 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.