Non-QM Mortgage Program
A non-QM loan program for self-employed borrowers that uses profit and loss statements for income qualification instead of tax returns or bank statements.
Underwriting at a glance
- Minimum FICO
- 660+
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- -
- Loan amount
- ? - $2,500,000
- Documentation
- p-and-l
- States
- most states
Highlights
- •No tax returns or bank statements required
- •12 or 24 month P&L prepared by licensed third party tax preparer
- •1x30 mortgage late 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 5/14/2026. 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.