Community Mortgage Program: Flexible No-Income-Verification Loans for Homebuyers
Not every qualified borrower fits inside a traditional income box.
The self-employed borrower with strong assets but inconsistent tax returns. The retiree with substantial wealth but no traditional income. The borrower who has the credit, equity, and reserves, but not the documentation agency guidelines require.
That’s where Community Mortgage* comes in.
A 30-year fixed owner-occupied mortgage that requires no income or employment verification, helping you save deals that might otherwise fall apart.
Program Highlights
Up to 80% LTV on purchases and rate & term refinances
Loan amounts up to $2.5 Million
FICOs starting at 640
Cash-out available up to 75% LTV
No prepayment penalty
When a borrower has the strength to qualify but the paperwork tells a different story, Community Mortgage* may be the solution.
Why Borrowers in the Inland Empire Choose Community Mortgage
At The Bunker Mortgage Team at Change Home Mortgage, we specialize in Non-QM portfolio lending because we know Southern California buyers don’t always fit into rigid conforming loan boxes. Whether you’re self-employed in Riverside or Corona, a retiree in Anaheim, or purchasing in the expanding Las Vegas market through our team, this program gives you access to competitive financing based on your overall financial strength — not just your tax returns.
This flexible solution pairs perfectly with our other specialized programs, including bank statement loans, VA loans with temporary buydowns, and options for foreign nationals or investors.
Real Results for Local Families
Our #1-ranked national Non-QM platform allows us to approve more borrowers who would be declined elsewhere. We focus on responsible lending while making exceptions where it makes sense — because we understand the realities of fluctuating income, asset-rich retirees, and complex financial situations common in our market.
Ready to See If Community Mortgage Fits Your Situation?
Getting pre-approved is fast, straightforward, and comes with no obligation. Let us review your scenario and show you exactly how this program — or one of our other portfolio solutions — can get you into the home you want.
📍 Proudly serving the Inland Empire, Greater Southern California, Arizona, Las Vegas areas and around the nation. 📞 Call Bunker Rayner directly: (909) 772-7935 📧 Email: Bunker@changemtg.com 🌐 Learn more at: www.bunkerrayner.com
Don’t let documentation hurdles stand between you and homeownership. Reach out today and let The Bunker Mortgage Team put our flexible lending expertise to work for you.
The Bunker Mortgage Team at Change Home Mortgage — Your Local Experts in Non-QM and Community Lending.
