Non-QM Mortgage Program
A non-QM loan program for self-employed borrowers that uses a 12-month P&L statement prepared by a professional instead of tax returns to verify income.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 85%
- Max LTV (cash-out)
- 80%
- Loan amount
- ? - $3,000,000
- Documentation
- p-and-l
- States
- most states
Highlights
- •12-month P&L prepared by CPA, EA, or PTIN
- •No bank statements required to support income
- •Gift funds may cover 100% of cash to close
- •IPC up to 6%
- •No seasoning for cash-out refinances
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 5/11/2026. 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.