Community Mortgage

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.

Community Mortgage was designed to fill the void and address the issues limiting prime, credit-worthy borrowers’ access to credit through common sense underwriting. As a result, this exclusive mortgage product is unique in the marketplace.

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


  • 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

  • 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


Let’s Get In Touch.

2443 W. Beverly Blvd. Montebello Ca 90640

Tel: 323-888-0777

  • Facebook
  • LinkedIn
Thanks for submitting!