Wholesale Lending

For Mortgage Professionals Only

Non-QM Made Simple

Specialized Loan Programs to Fit Your Borrowers Needs

We’re not your average bank. The Community Savings Wholesale Lending Team provides access to our Non-QM lending programs for your non-traditional wage earners and/or non-agency qualifying borrowers, including our sought-after ITIN loan programs up to 85% LTV.

The secret to our success is in our experienced Non-QM wholesale lending team and our highly efficient process. We excel at deal structuring and underwriting by looking at your borrower’s non-traditional credit profiles differently. When other lenders say, “No,” we say, “Yes.”

Non-QM Loan Programs Overview

Showcasing our deal-saving loan programs.

Community ITIN. No SSN? No problem. Borrowers can use their Individual Taxpayer Identification Number (ITIN) if they work and file taxes in the U.S.Program highlights: Up to 85% LTV allowed. Loan amounts to $1 million. Minimum FICO 660. 1-Year income history with 2-year work history. Purchase or refinance. P&L options available. Asset seasoning - 30 days. Non-Warrantable condos accepted. First-time homebuyers are eligible. Download Full Guidelines.

Community Alt-Doc. A flexible solution for borrowers who have non-traditional income or don’t receive W2s and who need a quick solution. Program highlights: Loan amounts up to $2.5 million. Minimum FICO 660 up to 80% LTV. Personal and bank business statements qualifying income is acceptable. First time home buyers are eligible. 12 or 24 Month CPA letter accepted. Minimum 30-day asset seasoning required. Community Alt-Doc (Investment).

Homeownership Counseling

Affordable classes with an easy process for your borrowers.

Classes are offered by select vendors. Fees begin at $75.

https://learn.frameworkhomeownership.org/mycommunitysavings

Resources

Frequently Used Forms	Training Guides
Condominium Project Questionnaire – Full Form	How to Lock a Loan
QuickPricer	How to Order An Appraisal
Appraisal ROV Request	How to Register a Loan
Business Narrative Form	How to Send Initial Disclosures
Gift Letter	How to Submit to Initial Underwriting
4506-C	How To Submit Conditions after Conditional Approval
Form W7	Broker Essentials
Joint Access Letter	Income Doc Types Requirements
Tax Preparer Questionnaire	Non-Warrantable Condos
	Borrower Esign Instructions
	Minimum Submission Documents

Have questions? Reach out to the Scenarios Team

Currently Serving the States of:

Connecticut
Florida
New Jersey
New York
Ohio
Pennsylvania

States updated periodically. Check back frequently.

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