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.
CDFI Badge
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.

  • 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
  • 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