Borrowers can qualify for the Community Mortgage in three easy steps: confirm LTV up to 80% (percentage of value), confirm FICO score (with a minimum score of 640), and verify reserve funds (3 months). This innovative solution allows borrowers who do not meet DTI requirements to qualify for a home loan, giving them the opportunity to own a home.

The Community Mortgage has become the most innovative product in the financial sector and is a comprehensive solution for those borrowers who still cannot meet the requirements established by regulatory standards.

When applying for a loan, the lender will not have to verify your income and employment. The lender will also not calculate your debt-to-income (DTI) ratio, which compares your gross monthly income to your total monthly debt obligations, including housing expenses.

Remember you only need 3 things. The money in the bank is 20% we will use your bank statement, and your credit report and have money for reserve. That's all.