Non-QM Mortgage Program
A proprietary optimization tool that evaluates reserves, FICO, DTI, LTV, and residual income to potentially improve LTV and pricing on Non-QM loans.
Underwriting at a glance
- Minimum FICO
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- Max LTV (purchase / rate-term)
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- Max LTV (cash-out)
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- Loan amount
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- Documentation
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- States
- most states
Highlights
- •Proprietary Optimizer Tool evaluates multiple borrower factors
- •Potential for 5% LTV increase based on optimizer score
- •Improves LTV and pricing based on loan characteristics
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 5/9/2026. 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.