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Mortgages for Self-Employed Individuals Just Got Easier!
No-Income Verification Required
We believe in the power of home. At Change Home Mortgage, we offer solutions to your unique circumstances. When you’re ready to buy but don’t meet documentation requirements for a traditional mortgage, Change Home Mortgage can help!
Many homebuyers face obstacles with qualifying during the underwriting process. If your income history fluctuates or you’re unable to provide the lengthy earnings history required, qualifying for a traditional loan becomes a challenge. That’s why we created an alternative to traditional, more rigid loans. Our unique Community Mortgage program makes it possible for you to qualify for the financing you need, even if your income documentation is limited.
Borrowers who are self-employed, who own small businesses, who have volatile or irregular income, retirees, seasonal and gig workers, real estate investors, owners and employees of cash businesses, newly self-employed, those transitioning from recent health, family or other life events, those looking to tap trapped home equity, recent immigrants, and those with disqualified income.
If you want to invest in a property without using traditional debt-to-income qualifying requirements, our Investor Program offers unique qualifying options as well as rates closer to Prime. As a borrower, you can use your property’s rental income cash flow or choose lower loan-to-value ratios as alternatives to conventional limitations.
Borrowers who prefer not to use debt-to-income criteria or are unable to qualify using conventional loan requirements.
Have a lack of income or credit documentation impeding your home buying plans? If so, our Alt-Doc Program provides an alternative. This unique loan option enables flexible qualifying methods such as asset depletion and/or bank statement submissions to qualify.
Borrowers who do not meet traditional documentation requirements, but want the chance to qualify using flexible alternatives.
Prime Plus Program
When buying or refinancing a home, it’s possible the cost could fall just outside conventional financing guidelines. Our exclusive Prime Plus Program goes one step beyond traditional jumbo loans by offering additional, flexible options to help finance your dream home.
Borrowers who struggle to meet conventional loan requirements.
We Are America’s CDFI
Did you know that we are a certified Community Development Financial Institution (CDFI), which enables us to turn those dreams into reality by offering a variety of traditional and non-traditional loans with competitive interest rates for self employed borrowers.