NEW HOME FINANCING OPTION FOR BORROWERS WITH UNIQUE INCOME PROFILES

Have you had trouble qualifying for a mortgage due to stringent income requirements?

Our fast and simple Alt-ATR mortgage product could be the answer!

Qualify Now
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Streamline Alt-ATR:
A new way to look at mortgage qualifying.

Perfect Solution For:


• Buyers with no income documentation
• Irregular, volatile or alternative employment, even unemployed
• Recovering from a past event
  (i.e. employment/income issues due to health, divorce, foreclosure, short-sale, bankruptcy)
• Excessive debt-to-income ratios
• Retired on limited/fixed income with significant down payment
• Multiple income sources
• Self-employed (or salaried/commissioned) with excessive debt-to-income ratios (DTI)
• Irregular bonus/commissioned pay structure
• New to the workforce or recently changed career path
• Sellers who are looking to buy before they sell
• Investing in real estate (multiple properties)

Backed by a Name You Can Trust Since 1994


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Streamline Alt-ATR Program 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

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.

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Giving Credit to The American Dream

For fast & easy qualification complete form below:



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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, www.commercehomemortgage.com/ compliance/licensing. To verify our state licenses, please visitwww.nmlsconsumeraccess.com. 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.



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