Conventional Mortgage Program
Prime mortgage program for owner-occupied and non-owner occupied properties featuring P&L only options and DSCR options with no ratio requirements.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- 85%
- Max LTV (cash-out)
- 80%
- Loan amount
- -
- Documentation
- p-and-l, dscr-only
- States
- most states
Highlights
- •85% LTV for owner-occupied purchase and rate-term refinance
- •80% LTV for owner-occupied cash-out refinance
- •80% LTV for non-owner occupied purchase and rate-term refinance
- •No ratio DSCR available
- •100% gift funds allowed
- •1 year self-employment history allowed with specific education requirements
- •80% LTV for non-owner-occupied purchase and rate-term refinance
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 5/28/2026. 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.