Stallion Loans Presents
Community Mortgage
No Tax Returns. No Pay Stubs. No Problem.
A path to a $2.5 million home for self-employed buyers whose income doesn’t fit a standard application — because with this program, it doesn’t have to.
$2.5M
Max Loan Amount
640
Min. FICO
80%
Max LTV
0
Income Docs Required
The Guidelines
Built for buyers banks weren't built for
If you're self-employed, a business owner, or your income is spread across entities and write-offs, a standard mortgage application was never designed with you in mind. Here's what actually matters instead.
Employment Not Stated
Your application does not require employment information.
Income Not Stated
No income figure is listed or calculated on your application.
Documentation Not Required
No tax returns, pay stubs, W-2s, or 1099s.
Loan Amounts to $2.5M
From $100,000 up to $2,500,000.
Up to 80% LTV
Purchase and rate-and-term financing.
Cash-Out Available
Unlimited cash-out on qualifying refinances.
Reserves From 6 Months
Exact requirement depends on credit profile and LTV.
FICO From 640
Higher scores unlock stronger LTV and lower reserve requirements.
Primary Residence
Designed for the home you live in — not investment property.
How It Works
Four steps. No paper trail required.
01
Tell Us About the Home
Share the purchase price (or your current mortgage, for a refinance) and where the property is located.
02
We Review Credit, Assets & Reserves
Instead of income paperwork, underwriting focuses on your credit profile, assets, and reserves — sourced and seasoned for 30 days.
03
Get Your Pre-Qualification
Once your credit and asset picture is confirmed, you receive a pre-qualification you can put behind an offer.
04
Close On Your Terms
Fixed-rate, fully amortized, 30-year financing with no prepayment penalty.
Community Mortgage Calculator
See what a no-income-doc loan looks like on paper
This estimates your payment, loan amount, and reserve requirement using the program's actual credit and loan-to-value tiers for purchase and refinance scenarios. It's a starting point for a conversation, not a loan approval.
Purchase Estimate
Max LTV at this credit tier
80%
Minimum Down Payment
$0
Estimated Cash Available
$0
New Loan Amount
$0
Estimated Monthly Payment (P&I)
$0
Reserves Likely Required
$0 (0 months)
Estimate only. Excludes taxes, insurance, and HOA dues. Actual LTV, reserve requirements, and pricing are determined by full underwriting. Not a commitment to lend.
Where We're Live
Local expertise, county by county
Community Mortgage is rolling out market by market. Here's where we currently have dedicated local guidance.
Frequently Asked Questions
Straight answers, no fine print games
What is a Community Mortgage loan? +
Community Mortgage is a home loan program where employment and income are not stated on the application and income documentation is not required. Instead, qualification is based on credit profile, assets, reserves, and the loan-to-value ratio.
Do I have to prove my income to qualify? +
No. Income and employment are not stated on the application, and no income documentation — such as tax returns, pay stubs, or W-2s — is required under this program.
Who is Community Mortgage designed for? +
It is designed for self-employed borrowers and business owners whose income is difficult to document through traditional means, but who have strong credit and available assets.
What is the maximum loan amount? +
Loan amounts range from $100,000 up to $2,500,000.
What credit score do I need? +
The program requires a minimum FICO score of 640. Higher credit scores unlock higher loan-to-value ratios and lower reserve requirements.
Can I use this program for an investment property or second home? +
No. This program is available for primary residences only.
Do I need cash reserves? +
Yes. Depending on your credit profile and loan-to-value ratio, reserve requirements range from 6 to 9 months of payments. Assets must be sourced and seasoned for 30 days.
Can I get cash out with this program? +
Cash-out refinancing is available with no maximum cash-out amount, except in Texas, where Section 50(a)(6) cash-out refinances are not permitted.
Ready When You Are
Your success is unconventional. Your mortgage should be too.
Melvin Kelly, President · NMLS #978991
Or Request a Call Back
Tell us a bit about what you're looking for and we'll reach out — usually the same business day.
Thank you.
Your request has been received — we'll be in touch shortly.