I am very honored to be able to write this testimony about one of the hardest working AEs in the business, Mr. Nima Fariman. Nima and I have developed an incredible relationship working together for the past 4 year. He is my go-to lender for certainty of execution and getting tough deals done.  If it needs to get done, Nima is usually my first call. Nima always answers his phone to answer the questions we need to answer to make sure all our files can close in a proper time without a ton of headaches. He is very easy to work with, extremely knowledgeable when it comes to guidelines and truly an easy person to build a friendship with because its typically good news when we are talking. I love CHANGE for that! With this new market, emerging relationships are more important than ever and I’m beyond grateful for our relationship with Nima Fariman & the rest of the Change team! Looking forward to many many more closings.

David D. | Forbix

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

I want express my gratitude and appreciation to you. Your skill and knowledge in the industry allow us to bring value to our clients daily. You are amazing at what you do and we know we can always count on you. Your customer service and level of support is one of a kind within our industry. Looking forward to continue working with you and your team as we continue to help our clients with all their financing needs.

Marty Y. | Option One Lending

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

Just wanted to applaud you for the professional manner that you handle my account. Your always available, anticipate potential issues and always are successful in coming up with workable solutions. Great results as we look forward to working on many more deals with you.

Mark C. | Cohen Financial Group

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

Working with Nima and his team has been an absolute pleasure. The team is very supportive and capable of helping through the whole process with ease. My files always get the attention they need and Nima makes sure to get it to the finish line.

Lea L. | Bankers Group/Loan Originator

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

Nima Fariman and his team are outstanding! Nima is beyond knowledgeable in the business and is always helpful and ready to assist. His team provides great customer service and consistent communication and will never leave you hanging. Nima's professionalism and knowledge are amazing and he will always be up front with you and give you the truth. If Nima says he can do the loan then you better believe he will get it done for you!

Bonnie A. | National One Loans