Looking for a Mortgage That Actually Fits Your Life? Here’s How Change Makes Homeownership More Accessible
Buying a home is one of the biggest financial decisions you’ll ever make. Traditional lenders often require strict income documentation, perfect employment history, and conventional debt-to-income ratios that leave many qualified buyers frustrated. At Change, we’re a leading mortgage lender built on relentless innovation—and our goal is simple: help more people get into homes with flexible, move-ready financing solutions.
We continually upgrade and customize our loan suite so our loan officers can offer options that work for real-world situations. Here’s a clear look at the products designed with today’s homebuyers in mind:
Community Mortgage
Our groundbreaking Community Mortgage is an owner-occupied loan that doesn’t require you to state income or employment on the application. If you’re creditworthy but your situation doesn’t fit the standard box, this program can open doors that traditional lenders keep closed.
Alt-Doc Loans
Self-employed? Independent contractor? Business owner with variable or non-traditional income? Alt-Doc Loans are built for you. We focus on the strength of your overall financial picture rather than forcing everything into a W-2 mold.
P&L Loans
Need a simpler path? These loans require just two years of profit-and-loss statements—no tax returns necessary. It’s a straightforward option for borrowers who can demonstrate consistent cash flow through their business records.
Asset Depletion Loans
If you’re self-employed and take significant deductions, a retiree with substantial assets, or a high-net-worth individual with little or no traditional income, Asset Depletion Loans can help. We look at the assets you’ve built and structure financing around them.
Investor Loans
Purchasing an investment property? These loans are designed for buyers who prefer not to provide personal income documentation or who don’t qualify under conventional debt-to-income ratios. Focus on the property’s potential instead of jumping through extra personal-income hoops.
Agency Loans
Prefer the familiarity of Fannie Mae, Freddie Mac, and agency guidelines? We offer those too—so you still have access to traditional conforming options when they make the most sense for your situation.
What sets us apart?
Our flexible guidelines responsibly expand eligibility for creditworthy borrowers, and we handle everything in-house. That means faster answers, clearer communication, and a process designed around you—not rigid checkboxes.
Ready to explore which option fits your goals? Reach out to a Change loan officer today. Whether you’re a first-time buyer, self-employed professional, investor, or someone with a unique financial story, we’re here to help you move forward with confidence.
