New home financing option with unique income profiles

Find out more now...

Our Community Mortgage Program is the perfect solution for..

Buyers with no income documentation

Retired / Unemployed / Investors

Irregular bonus/ commissioned pay structure

Gig economy workers, freelancers, etc.

Multiple income sources and / or unemployed.


Streamline Community Mortgage Highlights

Streamline eligible = Income docs not required
Owner occupied, 2nd-home, single family, 1-4 units, condos
Loan amounts up to $2MM
Interest-only payment options
No prepayment penalty
'Ability to Repay' Requirement Streamline Community Mortgage Other Lenders
Income Documentation Not Required Required
Income Calculated Not Required Required
Debt Calculated Not Required Required
Active Employment Not Required Required
Employment History Not Required Required
Occupancy Primary Residence & 2nd Home Investment Only

CHM Community Mortgage

easy home finance

Streamline Community MortgageA new way to look at mortgage qualifying

  • NO income docs required
  • NO income stated or calculated
  • NO DTI Calculated
  • Employment Not verified
  • Employment Not required

Giving Credit to The American Dream
Since 1994

Jeff Simonich

This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Offer of credit is subject to credit approval.  Credit and collateral are subject to approval. Terms and conditions apply.Commerce Home Mortgage, LLC, licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act No. 4150083; NMLS ID #1839. Main address: 3130 Crow Canyon Place, Suite 400, San Ramon, CA 94583. CHM is a registered trade name of Commerce Home Mortgage, LLC.For State specific licensing, compliance/licensing. To verify our state licenses, please Commerce Home Mortgage is regulatory certified by the U.S. Department of Treasury as a Community Development Financial Institution (CDFI), whose mission is to provide financial services to underserved borrowers and communities.  CFPB rules require mortgage lenders to adhere to the Ability to Repay (ATR) requirements. Commerce, exempt from the ATR requirements based on our certification as a CDFI, is uniquely positioned to develop mortgage products that addresses this significant segment of borrowers that are today left underbanked due to current regulatory restrictions.