About Change Home Mortgage
Change Home Mortgage, operating as Change Lending, LLC, is a state-licensed mortgage lender headquartered in Anaheim, CA. As a proud Community Development Financial Institution (CDFI), the company is committed to expanding access to homeownership for a diverse range of borrowers, including those who may not qualify for traditional financing.
Change Home Mortgage offers a comprehensive suite of both traditional and non-traditional mortgage products. They distinguish themselves by providing flexible qualifying options, catering to individuals with fluctuating income, self-employed professionals, business owners, and real estate investors. As a direct seller to Fannie Mae and Freddie Mac, they facilitate a streamlined loan process with fewer underwriting restrictions and faster closings.
With licensed operations in multiple states and a focus on personalized service, Change Home Mortgage aims to make the dream of homeownership a reality for more families. Their portfolio products are specifically designed to serve unique buyers, reinforcing their mission to offer more inclusive lending solutions.
Change Home Mortgage offers a comprehensive suite of both traditional and non-traditional mortgage products. They distinguish themselves by providing flexible qualifying options, catering to individuals with fluctuating income, self-employed professionals, business owners, and real estate investors. As a direct seller to Fannie Mae and Freddie Mac, they facilitate a streamlined loan process with fewer underwriting restrictions and faster closings.
With licensed operations in multiple states and a focus on personalized service, Change Home Mortgage aims to make the dream of homeownership a reality for more families. Their portfolio products are specifically designed to serve unique buyers, reinforcing their mission to offer more inclusive lending solutions.
Company Information
Lender Type: Direct Lender
Headquarters: Anaheim, CA
Licensed In
AZCACOGAMNNJOHRI
Certifications & Credentials
State-Licensed Mortgage LenderCDFIFannie Mae Direct SellerFreddie Mac Direct Seller
Home Loan Products
Conventional Loan Program
Loan Types:
ConventionalRefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-EmployedBusiness Owner
Income Verification:
Full Documentation
Special Programs:
Low Down Payment ProgramHomeReady ProgramHome Possible ProgramFirst-Time Homebuyer
Available Terms:
30 years
Credit Tiers:
Good (680-739)Excellent (740+)
FHA Loan Program
Loan Types:
FHA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
3.5%
Min Down Payment
VA Loan Program
Loan Types:
VARefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Veteran Program
0
100%
Max LTV
USDA Loan Program
Loan Types:
USDA
Rate Types:
Fixed Rate
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
0
Jumbo Loan Program
Loan Types:
Jumbo
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)
Non-Traditional / Portfolio Loan
Loan Types:
Non-QMPortfolioBank StatementAsset Depletion
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
RetiredSelf-EmployedBusiness Owner
Income Verification:
Bank StatementAsset Depletion
Special Programs:
Self-Employed ProgramBank Statement ProgramAsset Depletion Program
Credit Tiers:
Good (680-739)
Investor Loan Program
Loan Types:
DSCRNon-QMPortfolio
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeInvestment Property
Occupancy Types:
Investment Property
Employment Types:
InvestorBusiness Owner
Income Verification:
No Income VerificationBank Statement
Contact Information
2198 E Camelback Rd Suite 380
Phoenix, AZ 85016
US
Mailing Address:
175 N Riverview Drive, Suite C, Anaheim, CA 92808
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Business Information
Category: Mortgage Lender
Location: Phoenix, AZ
Status: Standard
Type: Direct Lender
NMLS ID: 1839
Profile Views: 39
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