A reference point — not a quote, since your path decides your rate.
Rates shown are national daily averages sourced from Mortgage News Daily and reflect full documentation ("Full Doc") loan pricing for well-qualified borrowers. Non-QM programs (1099, P&L, Bank Statement, DSCR, Asset Qualifier, Foreign National) are priced individually by lender and typically differ from the figures above — your actual rate depends on the loan path you match with.
Understanding Your Loan Path
Conventional loans aren't the only option. Explore non-QM and specialty programs designed for real-life situations.
Full Doc
Alternative for agency fallout. Supports recent credit events, ITIN, and unique property types.
1099
For independent contractors. Qualify with 1–2 years of 1099 earnings instead of tax returns.
P&L
For self-employed borrowers using a CPA-prepared Profit & Loss statement to show stability.
Bank Statements
Qualify using 12–24 months of personal or business bank deposits.
DSCR
For investment properties. Qualify based on rental income vs. mortgage payment. No personal income required.
Asset Qualifier
Qualify based on liquid assets alone. No employment or income required.
Foreign National
For non-U.S. residents purchasing U.S. property. Often uses DSCR or Asset Qualifier.
How Mortgage Path works
We use a negative filtering engine to rule out what won't work, so you can focus on what might.
Answer simple questions
Tell us about your income, property, and credit history in our secure diagnostic wizard.
Get path clarity
See which loan types (e.g., DSCR, Bank Statement) match your profile and what blockers exist.
Connect with specialists
If we find a match, you can choose to be introduced to lenders who handle your specific scenario.