Non-QM Mortgage Program
Non-QM loan program utilizing profit and loss statements for income qualification.
Underwriting at a glance
- Minimum FICO
- 600+
- Max LTV (purchase / rate-term)
- 90%
- Max LTV (cash-out)
- -
- Loan amount
- ? - $4,000,000
- Documentation
- p-and-l
- States
- most states
Highlights
- •Up to 90% LTV
- •No cash-out seasoning required
- •100% gift funds allowed
- •80% LTV using only unaudited P&L income
- •All gift funds allowed
- •1x30 mortgage late history allowed
- •No minimum tradelines with 3 FICO scores
- •Requires 2 years self-employment history
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 5/18/2026. 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.