Our Community Mortgage Approval Process is Quick & Painless.

The Community Mortgage is well structured to help borrowers establish and enhance their credit to improve their access to prime financing and do not have predatory prepayment penalties or other consumer adverse terms or conditions. This program serves borrowers that are often left out of the mortgage loan qualifying pool. These borrowers often have limited income history, limited or no credit history, or inadequate income documentation. The Community Mortgage is program is ideal for:

• Self-Employed/Small Business Owner
• Volatile or Irregular Employment
• Retired
• Seasonal & Gig Workers
• Real Estate Investors
• Owners & Employees of Cash Businesses
• Change of Industry or type of Employment
• Transitioning from Recent Health, Family, or Other Life Events
• Looking to Unlock Trapped Home Equity
• Recent Immigrant

Borrowers can qualify in 3 easy steps:

1. Confirm LTV
2. Confirm FICO
3. Verify Reserves

The Community Mortgage program fills the void and addresses the rules limiting otherwise qualified borrowers’ access to lending by eliminating unnecessary documents that are not part of the credit decision process. No income or employment documents are required.

• Loans up to $3M
• Fico Starting at 640
• Up to 80% LTV
• Asset seasoning 30 days
• Reserves from 3 Months
• No Income Documentation