PRODUCTS ABOUT FIND AN ADVISOR CONTACT US PAYMENT CENTER SAVE MORE ‍SAVE FASTER Change Home Mortgage offers traditional and non-traditional loans as diverse as the borrowers we serve. BUY A HOUSE REFINANCE A LOAN READY TO BUY? Our mortgage advisors are here to help you in every step. WE SERVE PRIME BORROWERS OTHERS CAN'T FAST & EASY Change Home Mortgage brings innovation to home lending by offering the full suite of lending products to service the diverse lives of America’s homeowners. As America’s CDFI, we are certified by the United States Department of the Treasury to develop customized loan programs for traditional and non-traditional homeowners and investors. Our prime loan products are tailor-made to serve W2 employees, as well as freelancers, immigrants, pro wrestlers, real estate investors, small business owners, gig workers, cancer survivors, foreign nationals, and retirees. We can approve those who are in all cash businesses, who own cryptocurrencies, who invest in gold, even those with a traditional bank account and standard tax returns from a full-time job. Change Home Mortgage finances all American Dreams and all dreamers. Change Home Mortgage understands borrowers are different. That’s why our loan programs are as diverse as the borrowers we serve. Traditional Borrowers W2 Employees Full Tax Returns 3+ year Consistent Employment Stable Monthly Income LEARN MORE Non-Traditional Borrowers Freelancers Self Employed Gig Workers and All Cash Businesses Contract Employees Real Estate Investors Immigrants Gaps in Employment LEARN MORE Investors Real Estate Investors Fix and Flip Non-Profits Affordable Housing Foreign Nationals LEARN MORE CONTACT A MORTGAGE ADVISOR TODAY OR ‍CALL (833) CHM-0123 OUR TRACK RECORD $25 BILLION LOANS FUNDED 100,000 BORROWERS A INVESTMENT GRADE CREDIT RATING IN THE NEWS The Secret Bias Hidden in Mortgage-Approval Algorithms Steven A. Sugarman Speaks at 74th Annual NAREB Convention on Expanding Black Homeownership The Change Company Awarded Best CEO for Diversity and Best CEO for Women Change Home Mortgage Names Jon Irvine Chief Production Officer READ MORE PROVIDING EQUAL ACCESS TO THE AMERICAN DREAM "Being a first-time homebuyer comes with its own set of challenges, facing the unknown, getting the required documents, and trying to decide what loan product best meets our needs. We contacted Change and our fears were immediately put to rest.” - Toi "When it came time for my husband and I to do a refi of our own home, it was a no brainer. I knew that Change would take care of us and put us in the best possible position. They made the process very easy from start to finish, despite COVID.” - Kristin “When we first decided to buy our first home, we were initially afraid of the process. Once we decided on the neighborhood we wanted to live in, we talked to quite a few neighbors in the area, and they all recommended Change. The team did an outstanding job of educating us on the process of buying a house from start to finish. We are currently living our best lives in our dream home, thanks to Change.” - James OUR ORGANIZATION We offer a full range of financial services to help diverse underserved and underbanked consumers reach their financial goals Change Home Mortgage Change Lending Change Escrow Change Appraisals xChange ChangeFi Change Finance is the digital first banking platform that levels the playing field for Black, Latino, and underserved communities throughout America by bringing social and racial equity to lending and banking. AWARDED BEST PLACE TO WORK We’re only as good as our people and our people are the best! JOIN OUR TEAM California Consumer Privacy Act – Employee Notice at Collection CONTACT A MORTGAGE ADVISOR TODAY OR ‍CALL (833) CHM-0123 Home Products Traditional Loans Non-Traditional Loans Buy Refinance Adjustable Rate Mortgage Handbook Your Home Loan Toolkit About Team Branches Press Find An Advisor Contact Us Payment Center Compliance & Disclosures Licensing Privacy Policy Consumer Complaints Contact Us 16845 Von Karman Avenue, Suite 200 Irvine, CA 92606 (833) CHM-0123 Follow Us Change Lending, LLC, dba Change Home Mortgage (“CHM”), is a state-licensed mortgage lender, NMLS ID #1839. To verify licenses, visit www.nmlsconsumeraccess.org. Headquartered at 16845 Von Karman Avenue, Suite 200, Irvine, California 92606. (833) CHM-0123. AZ: Arizona Mortgage Banker License #0925326; CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act and California Financing Law; CO: Regulated by the Division of Real Estate; GA: Georgia Residential Mortgage Licensee #48010; MN: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206 (3) & (4); NJ: Residential Mortgage Lender License – licensed by the N.J. Department of Banking and Insurance; OH: Licensed by the Ohio Department of Commerce, Division of Financial Institutions, Ohio Residential Mortgage Lending Certificate of Registration #RM.804654.000. For other states, click here. All loans are subject to credit approval and acceptable collateral. Additional terms and conditions apply. Programs, rates, terms and conditions may change without notice. All programs are not available in all states. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. Terms, conditions and programs are subject to change without notice. CHM AND ITS LOAN PRODUCTS ARE NOT SPONSORED OR ENDORSED OR BEING OFFERED BY THE U.S. TREASURY DEPARTMENT OR ANY OTHER GOVERNMENT AGENCY. © 2021. Change Lending, LLC. All rights reserved. By clicking “Accept All Cookies”, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. Cookies Settings Accept All Cookies