Providing equal access to the American dream

We empower all Americans to pursue their dreams by providing fair and equal access to the financial services they deserve.

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Change Lending Becomes a Member of the Federal Home Loan Bank of San Francisco

For more information, see here.

Affordable homeownership for 75,000+ borrowers

Loans Funded
Total Assets
Loans to Underbanked and Underserved
As America’s Community Development Financial Institution, we are helping underserved communities in real ways. And we’re just getting started.
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We Are America's CDFI

We are certified by the United States Department of the Treasury as a Community Development Financial Institution with a primary mission of community development.

Our Purpose

Eliminating the wealth gap by bringing social and racial equity to financial services.

Leveling the playing field for diverse homeowners and small business owners.

Empowering all Americans to pursue their dreams by providing fair, equal access to financial tools.


We are certified by the United States Department of the Treasury as a Community Development Financial Institution with a primary mission of community development

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We empower all Americans to pursue their dreams by providing fair and equal access to the financial services they deserve.

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Why do 75,000+ Borrowers Love The Change Company?

“Once we started working with Change, however, all our fears were put to rest. The Change Team did an outstanding job of helping us navigate the entire loan process with no issues. They also educated us on buying a house from start to finish. We are currently living our best lives in our dream home, thanks to Change Home Mortgage.”

-James E.

“As independent and self-employed individuals, my wife and I struggled to find the right mortgage company to provide a loan. We spoke to several companies, none of which were very helpful or supportive in the approval process. Finally, we were introduced to Jorge Navarro from Change Lending. He brought huge support to the process, from our initial house-hunting to closing the loan on the house of our dreams. We’re very grateful for Jorge’s expert management and would work with him again in a heartbeat.”

-William C.

“I was referred to Ramin by another mortgage broker whom I trusted. That was a good start. My situation was complicated, and my refinancing was not easy. But Ramin and Change made it happen. I got all the terms I was looking for and managed to save money monthly. The process went smoothly, and Ramin made sure he answered my questions clearly and kept me in the loop for each milestone. I was very satisfied with how things turned out.”

-Thomas N.

“From start to finish, the team at Change gave us the confidence to secure funding for our dream home. My wife and I are successful business owners with self-employment income, but we had always been told that non-conventional loans need to show several years of tax returns to prove our self-employment income. When our Change team structured our deal, we could not believe it. Fast-forward 30 days, and we closed on our dream home.”

-Craig M.

“I just wanted to thank Change again for ALL you did for me during my cash-out refi! Nearly 10 years of darkness is now behind me – finally – because of Change. This morning, I was able to order the Aeon laser that will let me expand my current business and really start a new one – a far better, more lucrative, and fun one! I tried for so long to get a refi done, or even get approved for some sort of financial assistance. I was treated so poorly by so many other lenders in the past. But each and every single one of you at Change has been absolutely amazing! I felt listened to, like you really were working for me, and the end result is something I’ll never be able to thank you enough for. THANK YOU ALL, from the bottom of my heart for everything you did.”

-Lisa Ann B.

“We have used Change for the past five years to finance and refinance our homes. Most recently, our dream home that we’ve been eyeing for years finally came on the market, so we needed to act fast. Due to COVID-19, our small business hadn’t filed tax returns, which only increased our anxiety. Due to the Community Mortgage’s unique program, however, we were able to submit an offer with a 21-day close and not have to stress about having our tax returns filed. Our offer was selected, and we closed in 21 days. I want to thank Change for a fantastic job and making the entire mortgage process go smoothly. They were very communicative and followed through with every promise, every step of the way. We will use them for all our future mortgage financing needs.”

-Alicia A.

“I cannot say enough, but I’ll take a shot at it :) Most of all, you dealt with me, and delivered what you promised. Change made a very difficult experience, manageable. Long story short, I have plenty of net worth, and high equity in my current home, but I have variable income at the moment. As a result, I was turned down, or received offers where the rate and loan fees were too high for me to afford. Overall, this was the easiest of all my closings, thanks to the Community Mortgage program.”

-Steve B.

“I found the home of my dreams for my daughter and me. I had plenty of money to buy it with cash but I wanted to invest that money and leverage it by getting a loan on my new home. I also have a current home that I need to sell but did not want to do that until after I moved into this one. We tried everything, and I mean everything. Sara was patient and kept working with us to find the best solution. The Community Mortgage loan ended up being a life saver. If this was not offered, I would not have been able to purchase my dream home.”

-Brittney R.

“We paid off our home and had no more liquid cash available to gift my son. Thanks to this Community Mortgage program, we can take cash out for my son to have money for a down payment. Otherwise, we wouldn’t be able to help him move out with his own family. We are very happy with Change.”

-Zhao & Xiao Ling Y.

“Change has allowed us to start preparing for retirement!”

-Joel & Catalina T.

“Peter Rosato was instrumental in helping me with a cash-out refinance. I am self-employed and my income differs from year to year, which made your Community Mortgage program a great fit for my needs. Peter made the process easy and understandable. I would not have been able to lower my interest rate as well as take cash out if you had not offered this portfolio product.”

-John R.

“We contacted Change and our fears were immediately put to rest. They were easy to speak with, and gave us all the loan options we qualified for, including the confidence to get through the entire process. We were able to easily overcome many obstacles working with Change. We are grateful for Nick and his team getting us to the finish line – we got the loan and the house of our dreams!”

-Toi S.

“We were turned down by another lender. Feeling discouraged, and with our marriage rapidly approaching, we wanted to be settled in our new home before then. When we heard about this possible program from a friend who had a similar situation, we reached out to Sara immediately. It was so fast and painless. We are now in our beautiful new home, and all settled in... with one less big thing to stress about while planning a wedding. Thank you!”

-Jake B.

“My husband and I have worked with Peter on a few mortgages now. We can’t say enough about his professionalism as well as his skills in finding us the creative loan solutions we were looking for. Looking forward to doing another refi soon.”

-Tamara & Mike B.

“Getting this home meant everything to our family! We were denied by other banks and lenders prior to finding Valerie and Change! The program was so easy, and everything was clearly explained for us. Valerie was so flexible and accommodative around our crazy schedule. She was very professional, had great communication, and was very transparent throughout. It was just an overall great experience.”

-James V.

Kristin G. photo

When it came time for my husband and I to do a refi of our own home, it was a no brainer. I knew that Change would take care of us and put us in the best possible position. They made the process very easy from start to finish, despite COVID.

- Kristin G.

Wei D. photo

“I tried many lenders, but they all suggested I sell my house first, then file more taxable income to qualify for the new home purchase. I have a big family and would like to purchase a house to move into, then take time to sell my current home. Lillian has been a big help! I am going to refinance this loan later after I sell my home and file my 2021 tax return.”

- Wei Min D.

John H. photo

“Michael Zugar and the Change team made our home purchase process informative, stressless, and comforting. From application through closing, we were kept informed every step of the way. We will definitely recommend Change Home Mortgage to all my friends and family. It was a superior experience during a very challenging time.”

- John H.

Kelly C. photo

“We had talked to three lenders. All said that we had no options for a loan with the bankruptcy we had. We also had a private note we needed to pay off with a very high interest rate. Your Community Mortgage loan was our only option, and we are so thankful it was available.”

- Robert & Kelly C.

Dulce H. photo

“OMG, we love it :). We’re currently remodeling and it’s looking great. I am grateful for Change. God bless you and your family.”

- Dulce H.

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