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Unique New Loan Program that Does Not Require Income Documentation

By Todd Galde

Our new Alt-ATR loan program, is completely unique in the market. It is a fast and simple solution that offers owner-occupied borrowers purchase and refi home loans without requiring income documentation or employment verification. 

This Alt-ATR loan program is ideal for:

  • Co-borrowers who used to share a mortgage and need to refinance to no longer share a mortgage
  • Retired or unemployed 
  • Those with irregular pay from professional sports or entertainment, or gaps in employment
  • Self-employed and owners/employees of cash businesses, such as retailers
  • Investors of multiple residential properties 

Learn more about the program highlights at

For more information please contact me at 925-381-8190 or Learn more about me and Commerce at

Todd Galde

W. Todd Galde, Mortgage Advisor
Direct/Text: 925-381-8190
Commerce Home Mortgage
NMLS # 256864