Non-QM Mortgage Program
A limited documentation Non-QM program that allows borrowers to qualify using a simplified written verification of employment form without requiring detailed income breakdowns.
Underwriting at a glance
- Minimum FICO
- 660+
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- $150,000 - $3,000,000
- Documentation
- wvoe
- States
- most states
Highlights
- •Allows WVOE qualification for family business with 2 years history
- •Streamline WVOE form requires only employer info and gross annual earnings
- •WVOE can be signed by third party CPA or tax preparer
- •1099 borrowers eligible with one year history in same line of work
- •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 5/18/2026. 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.