Non-agency products
40-year fixed
40-Year Interest Only
Offers 10 years of interest-only payments, followed by 30 years of amortization. Ideal for lowering upfront monthly costs. Includes flexible qualifying options and available for single-family homes, condos (including non-warrantable), PUDs, and 1–4 unit properties.
Eligibility guidelines
660
Min. credit score
$125k - $2 million
Loan amount
90%
Max. CLTV ratio
$500k
Max. cash out
Primary, secondary, and investment
Occupancy types
Additional product features
Flexible
qualifying
features
Support more clients, more ways
Help more clients qualify with features built for real-world scenarios. These options can be used individually or combined to meet your client’s unique needs:
- Asset depletion
- Bank statement income
- Non-warrantable condos
Flexible
qualifying
features
Support more clients, more ways
Help more clients qualify with features built for real-world scenarios. These options can be used individually or combined to meet your client’s unique needs:
- Asset depletion
- Bank statement income
- Non-warrantable condos