Wholesale Lending

For Mortgage Professionals Only

Non-QM Made Simple

Specialized Loan Programs to Fit Your Borrowers Needs

We’re not your average bank. The Community Savings Wholesale Lending Team provides access to our Non-QM lending programs for your non-traditional wage earners and/or non-agency qualifying borrowers, including our sought-after ITIN loan programs up to 85% LTV.

The secret to our success is in our experienced Non-QM wholesale lending team and our highly efficient process. We excel at deal structuring and underwriting by looking at your borrower’s non-traditional credit profiles differently. When other lenders say, “No,” we say, “Yes.”


The Community Savings Advantage. Urgency, empathy, and clarity from all Community Savings Team Members. Closing with confidence – we’re consistent and motivated to get your loans to closing fast. Access to decision-makers at all levels. We’ve cut out the “middle-man” to get you answers you need quickly. Accountability – We communicate effectively every step of the way, especially when it matters most. Competitive rates paired with service that provides even greater value. A common-sense approach to underwriting that looks into a borrower’s full story when needed. Flexible qualifying guidelines compared to other lenders. Ready to boost your pipeline today? Become an approved broker or call us and learn more about our loan programs.

Non-QM Loan Programs Overview

Showcasing our deal-saving loan programs.

Community ITIN. No SSN? No problem. Borrowers can use their Individual Taxpayer Identification Number (ITIN) if they work and file taxes in the U.S.Program highlights: Up to 85% LTV allowed. Loan amounts to $1 million. Minimum FICO 660. 1-Year income history with 2-year work history. Purchase or refinance. P&L options available. Asset seasoning - 30 days. Non-Warrantable condos accepted. First-time homebuyers are eligible. Download Full Guidlines.Community Alt-Doc. A flexible solution for borrowers who have non-traditional income or don’t receive W2s and who need a quick solution. Program highlights: Loan amounts up to $2.5 million. Minimum FICO 660 up to 80% LTV. Personal and bank business statements qualifying income is acceptable. First time home buyers are eligible. 12 or 24 Month CPA letter accepted. Minimum 30-day asset seasoning required. Community Alt-Doc (Investment).Community Alt-Doc Investment. Ideal for investor borrowers who struggle to qualify with an agency lender’s income requirements and looking for a common-sense approach to underwriting from start to finish. Program highlights: 80% LTV for purchase 75% LTV for Rate and term refinance or cash-out refinance Minimum FICO 660 Loan amounts up to $2.5 million 50% DTI Acceptable income types: bank statements, P&L, WVOE, 1 or 2 years of 1099s, or asset utilization. Download Full Guidelines.

Homeownership Counseling

Affordable classes with an easy process for your borrowers.

Classes are offered by select vendors. Fees begin at $75.

National Framework CourseColorado Framework Course


Frequently Used Resources

Frequently Used ResourcesTraining Resources

Have questions? Reach out to the Scenarios Team


Currently Serving the States of:

  • Connecticut
  • Florida
  • New Jersey
  • New York
  • Ohio
  • Pennsylvania

States updated periodically. Check back frequently.


Contact Us

Wholesale Lending Team

Phone: (980) 580-6007 / Toll Free 1-800-467-0064

Email: cswholesale@mycommunitysavings.com


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Equal Housing Lender. NMLS# 812294


How Can We Serve You?

I’m a mortgage broker. How do I become an approved partner?

For a broker package:

Request online. Click Here

Already on Comergence? Get Started Now

For pricing, product questions: csscenarios@mycommunitysavings.com

Portal Questions: scsupport@mycommunitysavings.com

Connect with an Account Executive: cswholesale@mycommunitysavings.com

How do I contact the Lock Desk?

Monday – Friday

Lock Desk: cslockdesk@mycommunitysavings.com
7:00 AM to 6:00 PM (ET)

How do I make my first payment?

Inquiries / Pay by Phone: 740-732-5678

I’d like to join the Community Savings Team. Who may I contact?
Broker Login. Login Now. Partner With Us Today. Get Started Now. Are You an Approved Broker? Request Logins & Rate Sheets.