We truly enjoyed working with Russell and Change on these last few loans, they went very smoothly. Russell’s knowledge about products as well as his assistance in helping us navigate the technology was invaluable. Also, he remains hands down the most responsive AE in the business. We have enjoyed seeing the improvement and growth of Russell’s support team over the last couple of years. In the QM world, it is rare to see the level of service that we see from Change. We look forward to many more smooth and successful transactions with Russell and his team!

Kevin S. | Cornerstone Capital Financial Services LLC

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 just wanted to take a minute to thank Russell and his team at Change. As a broker, I work with many different lenders and I can’t thank Russell enough for his attention to detail and for going the extra mile to make sure that our transactions go through smoothly and in a timely matter.

Thomas W. | The Wolff Mortgage Group

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

Russell is the most responsive Account Executive in the business. He always returns calls, texts, or emails right away. His information is always concise, and Change’s product line is amazing. I highly recommend Russell and Change Wholesale.

Ken R. | Greenway Mortgage Funding Corp

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

If you are looking for excellence, prompt attention and an easy streamlined loan process, you have found all of that with Russell at Change Wholesale. Russell is a true professional and problem solver and takes pride in his work which is easy to see in his results. Simply put, he is the best of the best.

Jacqueline S. | UNMB Home Loans Inc.

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

Russ is always available to answer our questions on our client scenarios.  He stays involved in the loan process from start to finish and is a great advocate for us and the borrower to get deals closed!  We enjoy working with Change and especially Russ!

David S. | Family First Funding