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Non-QM Purchase Loans – Up to 90% LTV
Flexible Qualification for Non-Traditional Borrowers
Our Non-QM Purchase Loan program is designed for borrowers who fall outside the standard lending guidelines but still want competitive financing. With LTVs up to 90%, loan amounts up to $1.5 million, and credit scores starting at 700, this program offers multiple income documentation options — including bank statements, P&L, 1099, or full doc. Whether you’re self-employed, have complex income streams, or just need a more flexible approach, this program delivers the financing you need with fewer restrictions.
FAQs
What’s the minimum credit score?
700+ FICO.
What income documentation can I use?
Bank statements, Profit & Loss, 1099, or traditional full documentation.
Is this for purchases only?
This program is primarily designed for purchases, but we have other Non-QM options for refinances as well.
How much reserves are required?
At least 6 months of reserves.
Why This Program Works for Non-Traditional Borrowers
Not every qualified borrower fits the standard mold. Whether you own multiple businesses, work on contract, or have variable income, the Non-QM Purchase Loan program offers ways to document income that work for your situation — without sacrificing competitive terms.
A Custom Approach to Financing
This program is perfect for borrowers who need flexibility in how they qualify. With high LTV options, generous loan amounts, and multiple documentation paths, you can secure the financing you need without being boxed in by rigid conventional rules.