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Bank Statement Programs

Commerce Home Mortgage (CHM) announces a new suite of loan products specifically catered to Self-Employed borrowers.

CHM rolled out true "Bank Statement-only" loan programs that are catered to those Self-Employed people who have been unable to obtain residential financing because of strict Conventional underwriting requirements of their income. One is a 12-month bank statement program and the other is a 24-month bank statement program. They can be used for purchasing a home or cash-out refinances.

Click Here to get started with our quick 5-minute questionnaire.


  • Qualify with only 24 months Business or Personal Bank Statements
  • We do not look at withdrawals or overdrafts
  • We do not ask for P&L. That's right, no P&L!
  • Up to 90% loan-to-value
  • No reserves requirement, if necessary
  • Mid-FICO credit scores as low as 580

We have all been asking for new "make sense" home financing programs and Commerce Home Mortgage is one of the first lenders in Northern California to roll them out. 

For more information or to book a Confidential Strategy Session to discuss a specific need please visit me at http://bit.ly/chm-tg-bsp to complete a quick 5-minute questionnaire.

You can also call me directly at 925-381-8190 or email me at tgalde@commercemtg.com.

I'm looking forward to serving your home financing needs.

Todd Galde


Todd Galde, Mortgage Advisor, NMLS #256864
Commerce Home Mortgage
3130 Crow Canyon Place Suite 300, San Ramon, CA  94583
Direct:  (925) 394-7732
Cell:  (925) 381-8190
Fax:  (925) 394-7697