Non-QM Mortgage Program
A non-QM program for self-employed borrowers that uses a CPA, EA, or CTEC-prepared profit and loss statement to determine income, eliminating the need for bank statements.
Underwriting at a glance
- Minimum FICO
- 660+
- Max LTV (purchase / rate-term)
- 85%
- Max LTV (cash-out)
- -
- Loan amount
- ? - $3,000,000
- Documentation
- p-and-l
- States
- most states
Highlights
- •No bank statements required
- •P&L must be prepared by CPA, EA, or CTEC
- •100% gift funds allowed
- •Interest only available
- •Primary, second home, and investment properties eligible
- •Co-borrower W2 income allowed
- •Minimum expense factor 10% for service, 20% for product business
- •Up to 85% LTV
- •Requires 12-month P&L prepared by CPA, EA, or CTEC
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 7/1/2026. 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.