Change Lending, LLC
175 North Riverview Drive, Anaheim, CA 92808
https://changewholesale.com/
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(2 đánh giá)
Tổng số khoản vay đã hoàn tất với Loan Factory
404
Tổng số khoản vay đã hoàn tất với Loan Factory (12 tháng qua)
343
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Thông tin cơ bản
Change Home Mortgage c/o Shellpoint Mortgage Servicing ISAOA/ATIMA PO Box 7050 Troy, MI 48007-7050
Closing Protection Letter (CPL) Clause and Title docs: Change Home Mortgage Its Successors and or Assigns 175 N Riverview Drive, Suite C Anaheim, CA 92808
Chính sách khóa & Phí
Chính sách khóa
5 Days = -0.075
10 Days = -0.150
15 Days = -0.225
20 Days = -0.30
30 Days = -0.450
Locks that have been canceled or have expired without closing or being extended must go through a 30-calendar-day waiting period to be eligible for re-lock. Any re-lock request under consideration during the 30-day waiting period will be subjected to the worst-case pricing + 0.25 bps Relock Fee.
Thị trường ngách & Hạn chế của đơn vị cho vay
Programs we offer:
Community (No income or employment)
DSCR
Alt Doc Programs Include:
W2 Only
1099 Only
P&L Only
Asset Depletion
1 Yr Tax Return
WVOE Only
Below are some highlights of the programs we offer:
Community Mortgage – No income and no employment on application. Up to 75LTV, Min 680- All you need is reserves, tradelines, fico.
Personal bank statement program- 100% of deposits. Borrower does not need to be self employed. We use 100% of all deposits, including pay roll plus cash, zelle, venmo.. etc
Business Bank statements- default 75% of total deposits, only 1yr self employment required ( Industry standard is 2 yrs)
W2 Program- only 1 yr employment required, no paystub or YTD income required.
Asset depletion- 100% of assets ( even non liquid) and divide by 60.
Asset Assist- use any one of our programs and then you can take your assets and divide by 60 and add it to your DTI ( industry standard is divide by 360)
Few other things to mention:
- No tradeline requirements when you have 3 scores
- Unlimited NSF’s ok
- Gift funds ok on investor and we also don’t source any large deposits
- We take the rent or the 1007 or AirDna on investor- whichever is higher
- Only 1 month asset statement required on all programs
- Private party VOM ok- no canceled checks needed
- Recently listed property ok- even for cash out loan
We also have a bank statement desk that will calculate the income for you. All you need to do is upload the 12-month bank statements here: Click Here for Income Link.
Allow lender credit to cover BPC except for community (no income).
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