Quick Pricer

Turn Times


Get Credentials

Product Guidelines



Bridge Loan

Community Mortgage

Foreign National


Resources & Forms

Get Approved


NQM Income Analysis Worksheet

Submit a Loan

Appraisal Process

About Us


Press & News

Contact Us

Payment Center


Homeownership Counseling

Broker Approval

A partner for your business

Partner with Change Wholesale to Grow Your Business by Financing Prime Borrowers Others Can’t.

Apply Here

Branch Application

Minimum Requirements (includes but not limited to)

  1. Completed online Broker application with Comergence.
  2. Prospective brokers must have a minimum net worth of $25,000 or per state guidelines.
  3. Have been in business for at least 2 years or at least one of the Principals of the company has been in the industry for 2 years
  4. Resumes of all principals and key employees
  5. Current YTD Financials, P & L and Cash Balance Sheet – dated within 90 days of application. Brokers without a current P&L, or incorporated in 2021, need to remit a recent corporate bank statement to validate the balance sheet.
  6. Current YTD Financials, Resume, W-9, and etc.
  7. Credit Report within 120 days (Broker provided OK) – applicable to any owner with 25% or greater ownership interest, soft-pull tri-merge report will be processed internally if not provided by broker
    • Min FICO = 620 (sub 620 and/or major derogatory event(s), exception approval required)

Need Help? Contact us at [email protected].