All companies have special products and different loans. What many companies are missing is the right people. Mike Czartoryski is that person. He is the reason myself, and my company, send business to Change. Don’t get me wrong, Change is great, but we would not know about the value the company has if it was not for Mike. His ability to connect and communicate is high level - he answers his phone and will reply to you in minutes. Mike has a constant positive attitude, and as a broker in this current environment having a partner like that means the world and changes your mindset…plus he is absolutely hilarious.

Jonathon H. | Next Door Lending

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

Mike and his team at Change Wholesale have been instrumental in helping us provide better services and more options for our clients. With his extensive knowledge of the mortgage industry, Mike has provided expert guidance, allowing us to expand our offerings and introduce new products to our clients. What sets Mike and his team apart is their commitment to providing exceptional customer service. They always go above and beyond to ensure our clients have the best possible experience. Thanks to their help, we've seen increased customer satisfaction and business growth. We highly recommend Mike and Change Wholesale to anyone in the mortgage industry seeking to expand their offerings and provide top-notch customer service.

Deshawn S. | CMS Mortgage

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

When it comes to service and reliability, Change Wholesale and Mike Czartoryski are the best in the business. With an amazing work ethic and a unique loan offering, Change has become one of our top partners in the non-QM space. Thank you, Mike and team, for taking great care of our clients.

Tom A. | Edge Home Finance

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

For the most challenging deals, Mike and Change Wholesale will come through EVER-SINGLE-TIME. They are my go-to lender for all non-QM deals for their responsiveness and their ability to find a solution to the most complex issues. Mike is the best of the best and he has earned my business and my team’s trust.

Major S. | Edge Home Finance

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

I tell it how it is. When I call Mike Czartoryski at Change Wholesale - he answers, every time! He confirms whether our scenarios will fly with verbal guidance and it's a fairly straight forward underwriting process. Can't ask for much more. Appreciate the product offerings of Change Wholesale.

Fabian G. | My National Loan