Non-Traditional / Portfolio Products

Our Non-Traditional Loans Fit Your Unique Circumstances.

When you’re ready to buy but don’t meet documentation requirements for a conventional or traditional mortgage, Commerce Home Mortgage can help. We offer loan options tailored to the needs of unique buyers.

Community Mortgage Program

Many homebuyers face obstacles with qualifying during the underwriting process. If your income history fluctuates or you’re unable to provide the lengthy earnings history required, qualifying for a conventional loan becomes a challenge. That’s why we created an alternative to traditional, more rigid loans. Our unique Community Mortgage program makes it possible for you to qualify for the financing you need, even if your income documentation is limited.

Ideal for:

  • Retired or self-employed workers
  • Those who are new to the workforce
  • Owners or employees of cash businesses

Investor Program

If you want to invest in a property without using traditional debt-to-income qualifying requirements, our Investor Program offers unique qualifying options as well as rates closer to Prime. As a borrower, you can use your property’s rental income cash flow or choose lower loan-to-value ratios as alternatives to conventional limitations.

Ideal for:

  • Borrowers who prefer not to use DTI criteria or are unable to qualify using conventional loan requirements.

Alt-Doc Program

Have a lack of income or credit documentation impeding your home buying plans? If so, our Alt-Doc Program provides an alternative. This unique loan option enables flexible qualifying methods such as asset depletion and/or bank statement submissions to qualify.

Ideal for:

  • Borrowers who do not meet traditional documentation requirements, but want the chance to qualify using flexible alternatives.

Prime Plus Program

When buying or refinancing a home, it’s possible the cost could fall just outside conventional financing guidelines. Our exclusive Prime Plus Program goes one step beyond traditional jumbo loans by offering additional, flexible options to help finance your dream home.

Ideal for:

  • Borrowers who struggle to meet conventional loan requirements.