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The Loans You Didn’t Know Existed: No-Doc Loans for Primary Residences and Second Homes

Mike Burnett Presents: Community Mortgage™
Income and Employment Not Stated – Primary Residence Financing

In today’s world of endless paperwork, rigid underwriting, and cookie-cutter loan programs, many qualified borrowers are often locked out of opportunities — not because they lack creditworthiness, but because their income structure doesn’t fit traditional molds.
Enter the Community Mortgage™ — a revolutionary lending solution for primary residences that reintroduces common-sense underwriting and eliminates unnecessary paperwork.

If you’ve been told you don’t qualify for a traditional mortgage because you’re self-employed, semi-retired, or have complex financials, it’s time to discover a better way.

A Return to Common Sense Underwriting

The Community Mortgage™ breaks the mold by focusing on what matters: credit strength, assets, and responsible borrowing history — not endless stacks of income documents or employment verifications.
It’s about trust, flexibility, and opening the door to homeownership for prime borrowers who deserve it.

Unlike conventional or even "alternative documentation" loans, the Community Mortgage™ does not require:

  • Income statements

  • Employment verification

  • Tax returns

  • Pay stubs

Instead, it uses assets, credit scores, and property value to make lending decisions.

Program Highlights

  • ✅ Employment Not Stated on the application

  • ✅ Income Not Stated on the application

  • ✅ No Income Documentation Required

  • ✅ Loan Amounts Up to $2 Million

  • ✅ Cash-Out Refinancing Can Be Used as Reserves
    (Unlock your home's equity for flexibility.)

  • ✅ Debt Consolidation Qualifies as Rate/Term Refinance

  • ✅ Loan-to-Value (LTV) Up to 80% for Purchases and Rate/Term Refinances

  • ✅ FICO Credit Scores Starting at 680

  • ✅ Reserves as Low as 6 Months

  • ✅ Asset Seasoning Required for Only 30 Days

  • ✅ Primary Residence Only (Perfect for owner-occupants.)

Where Is the Community Mortgage™ Available?

This unique program is available in most U.S. states, with the exception of:

  • Washington, D.C.

  • Maryland

  • Maine

  • Nevada

  • Pennsylvania

  • Washington

  • West Virginia

(Special note for Colorado and Illinois: additional borrower certifications and guidelines applies.)

Who Should Consider a No-Doc Primary Residence Loan?

You may be an ideal candidate if:

  • You’re self-employed with fluctuating income

  • You rely on investment income, royalties, or commissions

  • You are retired or semi-retired with substantial assets

  • You have strong credit but prefer privacy regarding income

  • You have large cash reserves or significant home equity

Important Distinctions

Unlike “stated income” loans of the past, the Community Mortgage™ still focuses on responsible lending. Lenders verify assets and credit health, ensuring the borrower is financially capable without invasive proof of income.
It's a smarter, safer evolution of the no-doc lending concept.

Ready to Explore the Possibilities?

Imagine buying or refinancing your dream home without the endless red tape.
Imagine qualifying based on your financial strength — not your paperwork trail.
Imagine homeownership made simple again. Thanks to Mike Burnett’s Community Mortgage™, the possibilities are real — and they’re waiting for you. For more information on qualifying for a Community Mortgage™ loan, contact Mike Burnett (801) 885-5526 today and find out how easy and stress-free financing your primary residence can be.