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Non-QM Loan Programs


There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs.

Non-QM Loan Program Options


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.

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.

  • Primary Residence and Second Homes
  • Credit Underwritten Based on LTV, FICO, and Liquidity
  • Income Documentation Not Required
  • Income Not Stated
  • Debt-to-Income (DTI) Not Calculated
  • Asset Seasoning 30 Days
  • Only first page of a bank statement required for typical portfolio loans
  • Loan Amounts Up to $3 Million
  • Up to 80% LTV Purchase/Rate & Term
  • FICO Beginning at 640
  • Reserves from 3 Months

Ideal For:

  • 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

Learn More

12 Month Bank Statement

Qualify with 100% on Personal Account Deposits and 50% on Business Account Deposits (12 consecutive months)

  • Up to $4M Loan Amounts
  • Up to 90% Max LTV
  • Self-Employed and 1099 Borrowers
  • 600 or greater credit scores
  • No reserves required at 75% or less LTV
  • No 4506T / No K1’s / No P&L’s
  • No MI
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Expand your footprint with our business purpose loans

  • 1 to 4-unit properties
  • Qualify using Rents (cash flow)
  • Condotels/Airbnb/Daily Rentals allowed
  • Can close in Corporate (LLC) but not required
  • Up to 80% Max LTV on Purchase
  • 575 or greater credit scores

Learn More