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Commerce Home Mortgage is your premier source for Owner Occupied residential home loans that do not require any Employment or Income Documentation (No Tax returns, W-2s, paystubs, P&Ls or Bank statements required for Income documentation) Your equity, credit, and reserves are used to qualify for our highly competitive Interest only 5/1 ARM (Fixed rate for 5 years). Contact us today and close in as little as 15 days! Purchase and refinance with unlimited cash out with an interest rate lower than other Private money lenders. We are a direct lender in control of the entire process.