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Community Mortgage

No Income Verification
Primary Residence Mortgage Loan

With this innovative mortgage product borrowers do not need to provide traditional income documentation to verify their income when applying for a loan to purchase their primary residence.

The main characteristic of this product is that the borrower's income is not verified through pay stubs, W-2 forms, or tax returns. The lender may consider other factors, such as the borrower's credit score, employment history, and the size of the down payment.
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No Income verification Mortgage Loans

Product Highlights

  • Income and Employment not stated on the application

  • Income documentation not required

  • 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 65% cash-out

  • FICO beginning at 680

Ideal for

  • Self-Employed/Small Business Owners

  • Volatile or Irregular Income

  • Retired

  • Seasonal & Gig Workers

  • Owners & Employees of Cash Businesses

  • Newly Self-Employed