Helping borrowers achieve their dream of homeownership

Northpointe Bank's Prime Non-Agency loan program is designed for prime credit borrowers who fall just outside of agency or prime jumbo eligibility. Borrowers are also eligible to use expanded features like alternative documentation. With loan amounts up to $3,000,000 and loan-to-value up to 85%, we provide more solutions for more borrowers.

Program features:
  • Purchase and rate/term refinance loan amounts up to $3,000,000
  • Eligible for cash out refinance, with maximum cash out of $1,000,000
  • 30 year fixed and 5/6, 7/6 ARM options available
  • Loan-to-value up to 85%
  • Minimum credit score of 660

  • Debt-to-income ratios up to 50%
  • Eligible for primary, secondary homes and investment properties
  • Alt doc options including 12 and 24 month bank statements, asset depletion and 1 year tax returns
  • Non-warrantable condos eligible
  • Available in all 50 states and Washington D.C.

Additional resources available

This is not a commitment to lend. All loans are subject to credit review and approval.