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Community Mortgage Program

The industry's most innovative product

A Return to Common-Sense Underwriting

Community Mortgage is a return to common-sense underwriting. This innovative product addresses the regulatory rules limiting prime borrowers’ access to lending by eliminating unnecessary documents that are not part of the credit underwriting decision.
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Community Mortgage was designed to fill the void and address the issues limiting prime, credit worthy borrowers’ access to credit through common sense underwriting. This exclusive mortgage product is unique in the marketplace.

Download our Program Guide and Community Mortgage Eligibility Matrix to learn more.

  • Income documentation not required
  • Income not stated
  • Credit underwritten based on LTV, FICO, and liquidity
  • Primary residence and second homes
  • Asset seasoning 30 days
  • Loan amounts up to $3 million
  • LTV up to 80% purchase/rate-and-term
  • LTV up to 70% cash-out
  • FICO beginning at 640
  • Debt consolidation = rate/term
  • Self-Employed/Small Business Owner
  • Volatile or Irregular Income
  • Retired
  • Seasonal & Gig Workers
  • Real Estate Investors
  • Owners & Employees of Cash Businesses
  • Newly Self-Employed
  • Transitioning from Recent Health, Family,
    or Other Life Events
  • Looking to Tap Trapped Home Equity
  • Recent Immigration
  • Disqualified Income