Educational guides
Non-QM programs we plan to offer
Each program is designed for specific situations. Click any card to read the full guide — what it is, how it works, who it fits, and what documentation is used.
Educational information only. Icon Mortgage is not yet licensed in California. No loan products are being offered.
By income or documentation type
🆔
ITIN Loans
For taxpayers using an ITIN instead of an SSN.
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Bank Statement
12–24 months of deposits instead of tax returns.
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P&L Only
For business owners — qualify with a CPA-prepared P&L.
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1099
For independent contractors receiving 1099 instead of W-2.
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1-Year Full Doc
Qualify with a single tax return instead of two.
For investors and non-residents
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DSCR (Investors)
Rental income qualifies — not your paycheck.
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Foreign National
For buyers without US residency.
Using your home's equity
Additional guides
❌
How to cancel PMI
Remove private mortgage insurance once you have enough equity.
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CA Conforming Limits
Conforming, high-balance, and jumbo — how CA limits work.
Not sure which one fits?
Join the waitlist. When we're licensed, we'll help you find the right program.
Join the waitlist