Non-QM Mortgage Program
A Non-QM program for borrowers with credit scores as low as 500, offering loan amounts up to $1.2 million for primary residences and investment properties.
Underwriting at a glance
- Minimum FICO
- 500+
- Max LTV (purchase / rate-term)
- 65%
- Max LTV (cash-out)
- 60%
- Loan amount
- ? - $1,200,000
- Documentation
- full-doc
- States
- most states
Highlights
- •500 minimum FICO
- •First-time homebuyers allowed with 580+ FICO
- •Cash-out proceeds can be used for reserves
- •Max 45% DTI
- •500 minimum FICO score allowed
- •Use cash-out for reserves
- •Maximum 45% DTI
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 7/24/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.250%
6.288% APR
FHA
5.750%
5.780% APR
VA
5.750%
5.780% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.