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| Program | Rate | APR |
|---|---|---|
| Bank Statement (non-QM) 30-yr | from 7.00% | from 7.20% |
Bank statement mortgage rates are risk-based: your credit score, down payment, deposit history, and loan size each move your price. Current starting rates are shown above — here's how to read them and how to earn a better one.
Four levers matter most: credit score (740+ earns the best tiers), down payment (20%+ improves pricing), statement history (24 months reads stronger than 12), and loan-to-value. Strong reserves and a CPA-certified expense ratio also help.
Expect roughly 0.5%–2% above conventional rates, because non-QM loans are held by private investors rather than sold to Fannie or Freddie. There's no monthly PMI, which claws back part of the difference — and refinancing later is always an option.
Rates shown are starting estimates. For your real number, use the 60-second eligibility check at the top of this page and a specialist will price your exact scenario.
Starting rates are shown at the top of this page. Your exact rate depends on credit, down payment, deposits, and loan size.
Non-QM loans are funded by private investors who price for flexibility — typically 0.5%–2% above conventional, with no monthly PMI.
Raise your credit into the next tier, put 15–20%+ down, provide 24 months of statements, and document a lower expense ratio with a CPA letter.
Yes — many borrowers refinance into conventional once two strong tax years are on file, or rate-and-term refinance within non-QM.
Free, no-obligation. See what you qualify for in about a minute.
Tracking the Freddie Mac 30-year average. Updated weekly — latest survey 2026-07-23. Program rates below are indicative, derived from this benchmark.
| DSCR (investment) | 8.08% |
| Bank statement (non-QM) | 8.33% |
| Non-QM | 8.18% |
Indicative starting rates derived from the weekly Freddie Mac conventional benchmark plus a program spread — not a quote or commitment to lend. Your actual rate and APR vary by credit, loan amount, down payment, and program. Subject to change.