1 (877) 789-8816 marketing@aaalendings.com

Product Center

Product Detail

QM Community Loan

QM Community Loan Overview

What is QM Community Loan?

QM Community Loan is a product tailored especially for home buyers with low credit scores and minimal down payments. It welcomes first-time home buyers without any income limits.

Rate: CLICK HERE

This program is retail only.

QM Community Loan Highlights

 *$4,500 CREDIT For Eligible Properties:
Don't miss this unparalleled opportunity

♦ NO AGENCY ADJUSTMENTS:
Say goodbye to standard Agency LTV/FICO adjustments. It's all waived under this program!

 CASH-OUT ADJUSTMENT WAIVED:
Assist your clients in getting more from their refinancing

♦ NO HIGH BALANCE ADJUSTMENT:
Your clients can now avail bigger loans without the standard adjustments

 NO CONDO/2-4 UNITS ADJUSTMENT:
Enjoy this additional concessions

♦ OPEN TO ALL:
This isn't just for first-time homebuyers! Expand your client base with this attractive offer

 NO HOMEOWNER EDUCATION / NO INCOME RESTRICTIONS:
Make the process smoother and faster

 FOR PRIMARY RESIDENCE:
Available for purchase, R/T Refi and cash out

* Incentive price 2% of loan amount or Max. $4,500, whichever is less.

QM map

Available in 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.

Why Choose QM Community Loan?

♦ Equal Interest Rates for Varied Credit Scores
Whether your Fico credit score is 620 or 760, enjoy the same interest rate. So, even if your credit score isn't perfect, you're not confined to a high-interest rate loan. We offer equal opportunities irrespective of credit scores.

 Uniform Interest Rates for Different LTVs
Whether your LTV is 95% or 50%, you can benefit from the same interest rate. A smaller down payment won't hinder your dreams of property ownership.

 Income-Neutral Approach
High or low, we don't discriminate based on income. We won't limit your application based on your income level. Our primary goal is to help you achieve your dreams.

QM Community Loan Flyer


  • Previous:
  • Next: