Change Home Mortgage

Change Home Mortgage Reviews

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About Change Home Mortgage

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Founded in 1994, Change Home Mortgage (NMLS# 1839) is a residential lender and direct seller of Fannie Mae, Freddie Mac and Ginnie Mae loans. It provides in-house lending services for the entire homebuying process, including underwriting. You’ll have a wide range of home loan options, regardless of your financial background.

    Pros & Cons

    • Small business owner-friendly
    • Offers reverse mortgages
    • Not available in all states
    • Not 100% online


    Change Home Mortgage rates based on a borrower’s creditworthiness and the current mortgage rate average. You might not have control over the current market rates, but you can put your best financial foot forward before applying for a home loan.

    Here are a few factors that can help you get the lowest rate:

    • A high credit score: Buyers with higher credit scores will receive the best annual percentage rate (APR).
    • A large down payment: Not every loan type will require 20% down, but putting that amount down can eliminate private mortgage insurance (PMI) costs.
    • A low debt burden: Lenders know that debt is a reality, but keeping your debt load under 28% will show you are financially stable.

    Application process

    Change Mortgage helps both traditional and nontraditional borrowers get a mortgage loan. To start the application process with Change Mortgage, you will choose one of its advisors. This advisor will help you select the right home loan, start the application process and submit the necessary documentation.

    Change Mortgage can connect buyers to many programs that make homeownership a possibility. These programs include:

    • Fannie Mae HomeReady and Freddie Mac Home Possible: These loans are ideal for low- to moderate-income buyers, with the option to put 3% down.
    • VA loan: Qualified military-connected buyers can finance up to 100% of their home purchase with less restrictive qualifications.
    • FHA(b) loan: Eligible homebuyers can put as little as 3.5% down and have their fees and closing costs rolled into the loan.

    For nontraditional borrowers, such as those who identify as freelancers, gig workers or small business owners, Change Mortgage has unique offerings to help you meet loan requirements:

    • Alt-Doc Program: This program enables borrowers to show asset depletion and/or bank statement submissions to qualify for a loan.
    • Foreign National Program: This program is for nonresidents who hold a temporary residency visa and want to purchase a second home or investment property.

    Loan types

    For the traditional borrower, who can prove a steady income from an employer, there are several conventional and government-backed loans available, including:

    • Conventional loans
    • FHA loans
    • USDA loans
    • VA loans
    • Bridge loans
    • Jumbo loans
    • Mortgages for those with nontraditional income documentation
    • Reverse mortgages


    Refinancing can be a good choice if you want to lower your interest rate, change your mortgage term or access home equity. Change Mortgage offers refinance options through its mortgage advisors.


    Each type of loan offered through Change Mortgage has its own requirements. For example, government-backed loans have lower down payment requirements.

    Increase your chances of home loan approval by knowing how much home you can afford before you apply. Additionally, a good credit score and low debt burden will make you less of a risk in the lender's eyes.

    National mortgage requirements by type

    Cost and fees

    Buying a home costs more than the list price. Expect to pay closing costs in addition to the purchase price. Closing costs tend to range from 2% to 5% of the purchase price. Closing costs might include:

    • Appraisal fees
    • Inspection fees
    • Lender fees
    • Title fees
    • Recording fees
    • Insurance and taxes


    How does Change Home Mortgage work?

    Connect with one of Change Mortgage’s advisors to apply for a home loan. Change Home Mortgage offers mortgage products for both traditional and nontraditional borrowers.

    Is Change Home Mortgage legit?

    Change Mortgage is a state-licensed mortgage lender that has been around since 1994 and has helped over 250,000 borrowers.

    Where is Change Home Mortgage available?

    Change Home Mortgage has branches in Arizona, California, Colorado, Florida, Georgia, Hawaii, Idaho, Louisiana, Maryland, Nevada, New Mexico, Oregon, Texas, Utah, Virginia, Washington and Washington, D.C. Many of the branches are authorized to do business in other states.

    Change Home Mortgage Reviews

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      How do I know I can trust these reviews about Change Home Mortgage?
      • 4,477,293 reviews on ConsumerAffairs are verified.
      • We require contact information to ensure our reviewers are real.
      • We use intelligent software that helps us maintain the integrity of reviews.
      • Our moderators read all reviews to verify quality and helpfulness.
      Page 1 Reviews 0 - 10
      Customer ServiceStaffLoan Process

      Reviewed March 28, 2023

      Don't recommend them, poor Customer service. Mortgage Advisor NMLS#** Branco ** from El Paso Texas very rude. Don't give him your info. He will run your credit and not help and reply whenever he wants 2-3 months after. This is not the first time or only person he's done this to, because of him and Manager Shaw ** is the reason my credit has so many inquiries. Same crap. Now I know where Mortgage Advisor Branco ** got this from bad customer services. Don't trust these Change Mortgage. Very unprofessional. They Don't deserve not even a star. Bad Experience. Rocky Mortgage is well Recommend for everyone. Hard inquiries because of them and they don't have any documentation of mine to run my credit 3 times. Manager was like nothing that they can do anything about it. They wanted me to claim which both told me to claim 200k so I can qualified for a 500k home. Ron with AmeriSave helped me.

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        Change Home Mortgage Company Information

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        Change Home Mortgage