PATHWAY MORTGAGE PROGRAM
Designed for eligible homebuyers and homeowners seeking an alternative approach to qualification, with simplified documentation requirements and options for purchasing or refinancing a primary residence.
Program Overview
The Pathway Mortgage Program offers an alternative approach to qualification with simplified documentation requirements. No income documentation or employment verification is required under program guidelines, and no DTI calculation is needed. It is available for purchase, rate-and-term refinance, and cash-out refinance on primary residences.
Program Features
No income documentation or employment verification required under program guidelines
Purchase, rate-and-term & cash-out refinance options
30-year fixed-rate, 7/6 ARM & 10/6 ARM options
Cash-out refinance available, subject to loan amount and LTV limits
Primary residences only
Eligible U.S. citizens, permanent residents & qualifying non-permanent residents
Why Choose This Program?
No income documentation or employment verification required
No DTI calculation required
Loan amounts from $100K to $2.5M
Fixed-rate and ARM term options
One program covers purchase, rate-and-term refinance, and cash-out
*All features are subject to investor guidelines and underwriting approval.
Who This Program Is Great For?
Borrowers whose income is difficult to document through traditional methods
Self-employed borrowers and business owners
Buyers purchasing a primary residence
Homeowners looking to refinance or access equity through cash-out
Permanent residents and qualifying non-permanent residents
Borrowers with a 620+ FICO score
Download Loan Program
Preview the Pathway Mortgage Program sheet and download the full program details, including credit, LTV, loan amounts, documentation requirements, and eligibility.
Co-Brand Loan Program
Access the co-branded Pathway Mortgage Program marketing material to share with your clients and partners.
Need Help Structuring a Pathway Mortgage Loan?
Connect with a loan officer to review the scenario, property, and loan amount, and see whether the Pathway Mortgage Program is the right fit.
Connect To A Loan OfficerThis material is for informational purposes only and does not constitute a commitment or guarantee to lend. All financing is subject to credit, asset, reserve, and property eligibility, investor guidelines, and underwriting approval. Minimum FICO of 620 applies to eligible loans up to $1.5M; loans above $1.5M require a minimum 660 FICO. Maximum LTV varies by credit score, loan amount, property type, and transaction. Advertised program features represent maximum or minimum eligibility parameters and may vary based on borrower qualifications, loan purpose, occupancy, and property type. Rates, fees, and program terms are subject to change without notice. Geographic restrictions and additional conditions may apply. Not all borrowers or properties will qualify. Tag Lending Group, LLC | NMLS #2329372 | Equal Housing Opportunity.