I’ve worked with Tan and the team at change wholesale for the last couple years. Even though this doesn’t seem like a long time, it doesn’t take long to recognize those in this business who care and are willing to go to extra lengths to help you close loans. Tan is one of those guys… and as a broker, people like him matter. When it comes to Non QM, simple and easy is not typically the case. Having a guy like Tan and his team working with you, makes these loans move more smoothly and efficiently. They make themselves available at even the most inconvenient times because they know how it feels to be a loan officer and challenges we face. This kind of perspective from them makes it easy to choose them over other lenders and brings confidence to myself as an LO knowing they are willing to help in any way to get the loan accomplished. The speed, knowledge and responsiveness makes them my go to for any Non QM loans for myself and my team.

Derek V. | Purpose Funding

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

Change proves time and time again to go above and beyond for all of our loan officers. From pricing, underwriting and turn time exceptions to prioritizing us as a client, they continue to prove to be excellent partners for us. As an organization, we are grateful for everything that they do for us and look forward to an incredibly prosperous relationship.

Joseph S. | E. Mortgage Capital, 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

Tan Karim is a top notch account executive! Myself and team have had the pleasure to be working with Tan for over a decade. Tan’s commitment to picking up the phone and providing stellar customer service is just the start. Tan has extensive mortgage knowledge which positions him to provide true value when structuring loans to align with his niche mortgage programs. Lastly Tan has invested in the relationship in the operations team to allow him to execute! I am delighted to call Tan a friend and trusted mortgage partner!

Mario M. | The Montecinos Group

A renter for 10 years, Jian had recently sold his established business and was kept on as a consultant with significant compensation. He was ready to fulfill his dream of buying a home with more than 30% down to put toward the purchase. Due to the fact that he was recently self-employed as a consultant – to his own former business – Jian was not able to qualify with traditional lenders due to his lack of a two-year history in his new job. Because of Jian’s prime credit score of 753, 30% down payment, and his lucrative consulting role with the business he had just sold, we were able to help him realize his dream of homeownership with a Community Mortgage.

Jian | Recently Self-employed Consultant

I’ve worked with many account executives - none come even close Tan Karim. He is extremely knowledgeable, quick to respond, and available 7 days a week for my team and I. If there’s a hurdle, he fights for you. Tan actually helped me fund my first ever non-qm deal. He taught me the ins and outs every single product. Because of the unfair advantage you get when partnering with Tan I’ve been able to win a lot of deals over other mortgage brokers and create long last relationships. Tan is extremely high level at what he does. His passion for the industry is evident through everything he does. Thanks for believing in me a few years ago, Tan. Happy to have you as a partner and a friend.

Milad S. | Loan Goat

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

EZ Fundings has been working with Tan Karim and his team at Change Wholesale for many years now. It has been an extremely successful relationship and journey. Tan has come through on countless deals that other lenders could not handle. His ability to structure files, problem solve, and do everything in a timely manner has given my team an edge that my competitors do not have. As a mortgage broker with a large team, its paramount to be able to deliver products that banks and large lenders do not have access to, especially at a great price and fast speed. Tan and Change Wholesale has delivered this to us continuously and we look forward to many more years of this great partnership.

Tano K. | EZ Fundings Inc.