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Homeownership Counseling

An unfair advantage for brokers?

Reach more prime, credit-worthy borrowers with Community Mortgage. Close loans with just page 1 of the bank statement and get 1099 borrowers approved without income or employment documentation.

Grow Your Business Exponentially

Only Change Wholesale dramatically simplifies the loan process and opens the door to more prime borrowers.

Certified as CDFI by the U.S. Department of Treasury in 2018

Investment Grade Credit Rating
Approved Seller / Servicer

Close Prime Loans Your Competitors Can’t

The Change Company has a range of products as diverse as your borrowers to help you serve more people than your competitors. As a CDFI, we create our own portfolio of products and guidelines that are exempt from complex underwriting rules and regulatory restrictions. Instead, we make smart credit decisions and use leading-edge technology to increase the number of loans you can close.

Sign up to get rates, news, and more from Change Wholesale.

Home of the Community Mortgage

Change Wholesale is certified by the U.S. Department of The Treasury as a Community Development Financial Institution (CDFI). CDFIs are exempt from certain consumer financing rules and regulations. These exemptions enable Change Wholesale to serve the $1 trillion market of prime, credit-worthy homeowners who are unable to meet burdensome regulatory documentation requirements.

We make it easy to boost your business

There are no overlays of any kind and no headaches caused by the stuff that makes your underwriter feel good but just isn’t necessary. The bottom line: you’ll close more loans, faster.

The Industry’s Most Innovative Product

The only owner-occupied loan that doesn’t require income, employment, or a DTI ratio to qualify.

The Community Mortgage program fills the void and addresses the regulatory rules limiting prime borrowers’ access to lending by eliminating unnecessary documents that are not part of the credit underwriting decision.

Change Wholesale’s well established underwriting criteria identifies prime borrowers by using traditional credit underwriting founded on the 5 “C”s of credit: character, capacity, capital, covenants, and collateral. This enables Change to approve creditworthy borrowers without collecting certain documents non-CDFI lenders such as banks require relating to income and employment. As a CDFI, we enable non-traditional prime borrowers impacted by structural economic inequality to achieve homeownership, fairly and responsibly.

Close More

By partnering with Change Wholesale, originators will be able to grow their business exponentially by expanding their ability to serve borrowers who qualify for prime mortgages without income, employment, or DTI documentation.

Community Mortgage

  • LTV, FICO, and Reserves required
  • Income, employment and DTI documents not required

Portfolio Mortgages

  • Alternative Document
  • Foreign National
  • Investor / DSCR
  • Prime Plus

Agency & Government

  • No Overlays
  • Direct Seller / Servicer

Close Faster

Change Wholesale eliminates complex bank requirements to deliver unrivaled speed and simplicity, so originators get results fast to grow their business and serve more borrowers. With our innovative, market-leading Community Mortgage, qualifying happens in three simple steps:

“Closed my first Community Mortgage for a valued client. Process was smooth and easy. Excited to share this with more clients as a path to homeownership!

The Change team is incredible to work with.”

Deborah Stark

The Lender

The Ideal Solution for Borrowers Unable to Qualify Based on Calculating a DTI Ratio.

  • Self-Employed / Small Business Owner
  • Volatile or Irregular Employment
  • Retired
  • Seasonal & Gig Workers
  • Real Estate Investors
  • Owners & Employees of Cash Businesses
  • Change of Industry or Type of Employment
  • Transitioning from Recent Health, Family, or Other Life Events
  • Looking to Unlock Trapped Home Equity
  • Recent Immigrant


To Finance America’s Diverse Homeowners, Fairly and Responsibly

Homeownership is core to the American Dream, the cornerstone of wealth creation, a solution to the cycle of poverty, and a stabilizing force for working families. Our role as trusted advisors and passionate advocates is to help unserved families and communities to achieve homeownership fairly and responsibly.

We are focused on expanding banking and lending services throughout America to level the playing field Black, Latino, low- to moderate-income, and other underbanked borrowers and communities.

We believe homeownership helps to eliminate social and racial inequities, close the wealth gap, and empower all Americans to pursue their dreams.

Made possible by our strategic partners

Expanding homeownership to underbanked prime borrowers