Product Guidelines

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Know the Difference

Change Wholesale is certified by the U.S. Department of Treasury as a Community Development Financial Institution (CDFI).

CDFIs are exempt from certain consumer financing rules and regulations of Dodd Frank, which includes sections of Regulation Z, including the Ability to Repay (ATR) rules, and documentation requirements contained in Appendix Q. These exemptions enable CDFIs to serve the $1 trillion market of prime, credit-worthy homeowners who are unable to meet burdensome regulatory documentation requirements.

Portfolio Products

Alt-Doc  | Bridge Loan |  Community Mortgage  |  EZ Prime |  Foreign National  |  Investor/No Ratio | Piggyback Second LienPrime Plus

Agency Guidelines

FNMA Seller Guides  |  Freddie Mac Guides  |  FHA 4000.1 Handbook  |  VA Guidelines