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Bunkers Expert Thoughts, Advice and Preparation for Mortgages and Home Loans
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Mortgage Insights
Testimonials
Contact
Join the Team
Bunkers Expert Thoughts, Advice and Preparation for Mortgages and Home Loans
Schedule a Meeting
Mortgage Insights
Testimonials
Contact
Join the Team
Schedule a Meeting
Current Mortgage Rates Today (September 16, 2026) vs. the 1980s: Why 6.76% Feels Different After the Fed Decision
Bunker Rayner 9/16/26 Bunker Rayner 9/16/26

Current Mortgage Rates Today (September 16, 2026) vs. the 1980s: Why 6.76% Feels Different After the Fed Decision

Mortgage Rates

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No income required.
Bunker Rayner 9/8/26 Bunker Rayner 9/8/26

No income required.

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A Few Things Worth Knowing About Your Home, Your Money & Today’s Mortgage Market
Bunker Rayner 9/2/26 Bunker Rayner 9/2/26

A Few Things Worth Knowing About Your Home, Your Money & Today’s Mortgage Market

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Mortgage Rates Expectations
Bunker Rayner 8/31/26 Bunker Rayner 8/31/26

Mortgage Rates Expectations

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Unlock Homeownership Without Relying on Tax Returns: The Bank Statement Loan Advantage
Bunker Rayner 8/25/26 Bunker Rayner 8/25/26

Unlock Homeownership Without Relying on Tax Returns: The Bank Statement Loan Advantage

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Self Employed Program
Bunker Rayner 8/24/26 Bunker Rayner 8/24/26

Self Employed Program

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10 Day Close
Bunker Rayner 8/23/26 Bunker Rayner 8/23/26

10 Day Close

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Lower Your Monthly Mortgage Payment with Step Payment on Community Mortgage
Bunker Rayner 8/3/26 Bunker Rayner 8/3/26

Lower Your Monthly Mortgage Payment with Step Payment on Community Mortgage

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Riverside Housing Market Update: What Today’s Numbers Mean for Buyers & Borrowers
Bunker Rayner 7/28/26 Bunker Rayner 7/28/26

Riverside Housing Market Update: What Today’s Numbers Mean for Buyers & Borrowers

Buyer’s Market

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Can You Buy a Home in the Inland Empire Without Traditional Income Verification?
Bunker Rayner 7/27/26 Bunker Rayner 7/27/26

Can You Buy a Home in the Inland Empire Without Traditional Income Verification?

At Team Bunker, we specialize in helping Inland Empire buyers who don’t fit the traditional lending mold. One of the programs we frequently use is Change Home Mortgage’s Community Mortgage*, which opens another route for qualified borrowers:

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W-2 Asset Depletion Loans: Qualify for a Bigger Mortgage Using Your Income + Assets (No Full Tax Returns Needed)
Bunker Rayner 7/20/26 Bunker Rayner 7/20/26

W-2 Asset Depletion Loans: Qualify for a Bigger Mortgage Using Your Income + Assets (No Full Tax Returns Needed)

Discover how W-2 borrowers with strong income and substantial assets can boost qualifying income with Asset Depletion loans. Up to 90% LTV, loans to $3.5M, and no full tax returns required. Expand your buying power today

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Credit Do’s and Don’ts: Protect Your Mortgage Approval and Secure the Best Rates
Bunker Rayner 7/14/26 Bunker Rayner 7/14/26

Credit Do’s and Don’ts: Protect Your Mortgage Approval and Secure the Best Rates

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Can’t Get Approved? We Finance the Loans Other Lenders Won’t
Bunker Rayner 7/13/26 Bunker Rayner 7/13/26

Can’t Get Approved? We Finance the Loans Other Lenders Won’t

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Community Mortgage Program: Flexible No-Income-Verification Loans for Homebuyers
Bunker Rayner 6/15/26 Bunker Rayner 6/15/26

Community Mortgage Program: Flexible No-Income-Verification Loans for Homebuyers

A loan for a home for everyone

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Congratulations to Gary Drake – Loan Officer of the Month!
Bunker Rayner 6/3/26 Bunker Rayner 6/3/26

Congratulations to Gary Drake – Loan Officer of the Month!

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Community Mortgage® | No Income Docs | Loans Up to $2.5M
Bunker Rayner 5/29/26 Bunker Rayner 5/29/26

Community Mortgage® | No Income Docs | Loans Up to $2.5M

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Struggling with Income Documentation? This Mortgage Program Could Get You Home Faster
Bunker Rayner 5/18/26 Bunker Rayner 5/18/26

Struggling with Income Documentation? This Mortgage Program Could Get You Home Faster

No income required.

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New Full Doc Reserve Program – Qualify Easier with 401(k) and Retirement Assets
Bunker Rayner 5/14/26 Bunker Rayner 5/14/26

New Full Doc Reserve Program – Qualify Easier with 401(k) and Retirement Assets

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Asset Assist
Bunker Rayner 5/6/26 Bunker Rayner 5/6/26

Asset Assist

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How We Closed a $500K Home in Just 11 Days – Even With Income Qualification Challenges
Bunker Rayner 5/5/26 Bunker Rayner 5/5/26

How We Closed a $500K Home in Just 11 Days – Even With Income Qualification Challenges

We closed a $500K home in only 11 days with no income, no employment, and no DTI verification. A real success story showing how the right mortgage solution can save deals when traditional lending says no.

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Bunker Rayner

Mortgage Expert with 30 Years of Experience in Conventional, FHA, VA & Non-QM Lending

Serving California & the Nation | Real Estate Broker Since 2006 | AI-Enhanced Client Service

Bunker4loans@gmail.com