Deon is one of the best reps I have ever worked with. His response time is always prompt, his knowledge of the products is top-notch, and he is always a pleasure to work with. I look forward to continuing our working relationship for a very long time, and I would highly recommend him to any employer looking for a fantastic account representative.

Bill W. | Valley Funding Inc.

With volatile income from her business, Luz couldn’t provide the income documentation necessary to qualify for a traditional mortgage. Her monthly and annual income volatility was exacerbated by the fact that her business is an “all-cash” business; her taxable income did not necessarily reflect her cash flow and ability to make monthly mortgage payments. With almost four years of reserves after close, a 30% down payment, and a prime credit score of 763, this savvy business owner qualified for a Community Mortgage to buy her new home.

Luz | Small-Business Owner with Irregular Income

Deon is an amazing Account Executive. He goes above and beyond for our company. He answers the phone after hours, and if we run into a problem, he always figures out a way to resolve it. Deon is patient, knowledgeable and responsive. Thank you for all your help.

George K. | Legacy Mortgage Loans, Inc.

As a real estate professional, Juan can generate tax losses from items such as accelerated depreciation and other tax incentives; thus, his taxable income has been negative in recent periods and/or below his GAAP income. Due to his tax-efficient business, he has not been able to get a traditional bank loan and had taken out a 10% hard money loan to acquire his new house. With a 50% down payment, ability to pay the 10% interest rate on the hard money loan, and history of successful homeownership, Juan and Mondie received a Community Mortgage loan that enabled them to upgrade their home while reducing their overall interest expense.

Juan & Mondi | Looking to Tap Trapped Home Equity

It's a pleasure working with Deon, and I cannot recommend him highly enough. From the moment we began discussing my loan details, I felt confident that I was in good hands. His extensive knowledge and expertise in the lending industry was evident throughout the entire process, and he was always available to answer any questions or concerns I had. Not only did Deon work tirelessly to find the best advice for my specific situation, but he also went above and beyond to ensure that everything went smoothly and efficiently. His attention to detail and dedication to providing excellent customer service truly made a difference, and I am so grateful for all his hard work. I would not hesitate to recommend him to other loan officers, and I look forward to working with him again in the future. Thank you for everything!

Hong H. | Googain, Inc.

Hassan is not paid in U.S. dollars and is employed by a foreign company. Foreign source income is disqualified by other lenders, even for legal U.S. residents. As a Foreign National, Hassan does not file U.S. tax returns, so his income documentation wouldn’t suffice for a traditional mortgage lender. Hassan’s 770 prime credit score, 48% LTV on the new home purchase, and proven history of paying his mortgage as agreed meant we could qualify Hassan with a Community Mortgage, while eliminating the hassle and closing delays he experienced with his previous lender.

Hassan | Foreign National Borrower

I am writing to express my gratitude for the exceptional service that Deon Ward with Change Wholesale provided to my file during my recent loan application process. Your expertise, professionalism, and attention to detail made all the difference, and I cannot thank you enough on behalf of myself and my client. From the very beginning, you took the time to understand my client's unique financial situation and goals, and then presented me with a variety of loan options to choose from. You patiently answered all of my questions and concerns, and never made me feel rushed or pressured. Your knowledge of the lending process and the various loan products available was truly impressive, and I felt confident in your guidance and recommendations to help my clients. Throughout the application process, you kept me informed every step of the way. You were always available to address any issues that arose, and you were proactive in ensuring that everything was in order for a timely closing. Your attention to detail and thoroughness were impressive, and I felt like I was in good hands throughout the entire process. Thanks to your hard work at Change Wholesale and dedication, I was able to secure a loan that met my client’s needs and exceeded our expectations. I am thrilled with the outcome, and I know that I couldn't have done it without your help. I would highly recommend Deon Ward to anyone who is in need of a loan program. You are truly an asset to Change Wholesale, and I feel fortunate to have had the opportunity to work with you in the past year and half.

Fred S. | Firestone Financial Group

Because Cierra recently went back to work after a six-month hiatus, she wasn’t able to show the two consecutive years of employment history required to qualify for a traditional mortgage, according to the Ability to Repay (ATR) rules under Dodd Frank. With Cierra’s 58 months of reserves after closing, a 30% down payment for the new home, her prime credit score of 762, and her new job, we were able to provide Cierra with a Community Mortgage loan for her and her daughter’s new home.

Cierra | Recent Inheritance & Gap Employment History

Deon Ward provided exceptional service during my recent loan application process. Deon's expertise, professionalism, and attention to detail made a huge difference, and I cannot thank him enough on behalf of myself and my client. From the beginning, Deon took the time to understand my client's unique financial situation and goals and presented a variety of loan options to choose from. Deon patiently answered all of my questions and concerns and kept me informed every step of the way. Deon's knowledge of the lending process and various loan products available was impressive, and I felt confident in his guidance and recommendations. Thanks to Deon's hard work and dedication, I was able to secure a loan that met my client's needs and exceeded our expectations. I highly recommend Deon Ward to anyone in need of a loan program and am grateful for the opportunity to work with him.

Fred S. | Firestone Financial Group