Non-QM Mortgage Program
A non-QM loan program utilizing a Written Verification of Employment (WVOE) to qualify borrowers without the need for W2s, tax returns, or paystubs.
Underwriting at a glance
- Minimum FICO
- 620+
- Max LTV (purchase / rate-term)
- 80%
- Max LTV (cash-out)
- 70%
- Loan amount
- ? - $4,000,000
- Documentation
- wvoe
- States
- most states
Highlights
- •WVOE completed by borrower's company
- •No W2, 4506C, paystubs or tax returns
- •First time home buyer eligible to 70% LTV
- •Two months bank statements required to support after tax income
- •Requires two-year history of employment
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 6/24/2026. 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.