Non-QM Loans A Non-QM loan can be the perfect solution if your clients don't fit in the traditional qualifying criteria set by the GSEs. This can include self-employed borrowers or those with past credit issues. Non-QM Standard Program Overview Bank Statement Standard 12 or 24 month bank statements Purchase, Refinance, & Cash-Out options Max Loan Amount $4M 640 Minimum FICO Non-QM High Balance Program Overview Bank Statement High-Balance Only Available in CA High-Balance option up to $8.5 million Loan Amount Purchase, Refinance, & Cash-Out options 720 Minimum FICO Non-QM Jumbo Program Overview Full Documentation Jumbo 1 year income Purchase, Refinance, & Cash-Out options Max Loan Amount $4.5M 640 Minimum FICO