QM Programs
Traditional mortgage programs requiring full income documentation.
Conforming
30-Year Conforming
6.625%
Max Loan Limits
Up to $832,750
15-Year Conforming
5.875%
Max Loan Limits
Up to $832,750
High Balance
30-Year High Balance
7%
Max Loan Limits
$832,751 – $1,249,125
15-Year High Balance
6.75%
Max Loan Limits
$832,751 – $1,249,125
Non-QM Programs
Alternative mortgage programs for self-employed borrowers, investors, and others with non-traditional documentation.
Non-QM
VOE Only
7.25%
Max Loan Limits
Up to $5,000,000
P&L Only
7.25%
Max Loan Limits
Up to $3,000,000
The rate shown is based on a sample borrower profile — a purchase loan for a single-family primary residence, with W-2 income, a 740 credit score, 70% loan-to-value (LTV), and 45% debt-to-income (DTI). Actual rates and terms may vary based on your credit profile, loan amount, and property details.
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1NMLS #2357195