Read my blog


Close Prime Loans Your Competitors Can’t


  • Primary Residence and Second Homes and Investment 
  • Credit Underwritten Based on LTV, FICO, and Liquidity
  • Income Documentation Not Required
  • Income Not Stated
  • Debt-to-income (DTI) Not Calculated
  • Loan Amounts Up to $3 Million
  • 70% LTV for FICOs of 740 and above
  • 65% LTV for FICO's of 660 - 739
  • Reserves 12 months and up depending on fico and LTV
  • Asset Seasoning: 30 Days
  • Gift funds allowed for Primary Homes only

Ideal for:

  • Self-Employed/Small Business Owner
  • Volatile or Irregular Income
  • Retired
  • Seasonal & Gig Workers
  • Real Estate Investors
  • Owners & Employees of Cash Businesses
  • Newly Self-Employed
  • Transitioning from Recent Health, Family,
    or Other Life Events
  • Looking to Tap Trapped Home Equity
  • Recent Immigration
  • Disqualified Income

*The Community Mortgage loan program is not available in DC, MD, NV, or WA. CA: Interest-only prohibited for FICO's below 660 and LTV cap is 65%. CO: All loan transactions require fully executed CO LO Reasonable Inquiry Attestation and HUD Counseling Certification from the Colorado Housing Assistance Corporation. IL: Allowed provided payment is based on fully indexed rate. TX: Interest-only prohibited. OH: Interest-only on Adjustable-Rate (ARM) loans. 

Check out our other loan programs for your unique borrower. Click here.

Blog Archives

Jonathan Caguioa

NMLS# 250609 / DRE# 01137630 Mobile: 949-241-2527

ALLIANZE MORTGAGE NMLS# 346138 / DRE# 01403147

15820 Whittier Blvd, Suite G
Whittier, CA 90603

Contact Me Today

Let's find you the right home at the right price.