Non-QM Mortgage Program
A non-QM loan program designed for self-employed borrowers that utilizes profit and loss statements instead of bank statements.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- p-and-l
- States
- most states
Highlights
- •No bank statements needed
- •No seasoning on cash-out or rate/term refinances
- •No seasoning on new appraised value
- •100% gift funds allowed for down payment and closing costs
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 5/14/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.125%
6.164% APR
FHA
5.500%
5.531% APR
VA
5.500%
5.530% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.