QM Community Loan Program
Affordable Financing for First-Time and Credit-Challenged Buyers
The QM Community Loan is designed to help more people achieve homeownership — especially first-time buyers, those with low credit scores, or limited down payments. There are no income limits, and the program focuses on making home buying more accessible without the typical restrictions.
Program Highlights
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✅ Up to 97% Loan-to-Value (LTV)
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✅ No agency pricing adjustments
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✅ No purchase loan-level price adjustments (LLPAs)
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✅ No homeowner education required
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✅ No income restrictions
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✅ For primary residence only
Important Notes
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🏠 Primary home only — not available for second homes or investment properties
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🚫 Condos not eligible
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🔒 FNMA DU Refi cannot waive LLPAs
Available in the Following States:
AZ, CA, CO, DC, FL, GA, HI, IL, IN, MD, MI, MN, NE, NM, NC, NV, OH, OK, OR, PA, SC, TN, TX, VA, WA, WV
If you have any questions about the QM Community Loan Program,
please email us at [email protected] or call us at (626) 678-0777.
Our team is here to guide you every step of the way.