PROVIDING Equal Access to the

American Dream

Traditional banks don’t believe all Americans deserve their best technology, their best programs and their best loans. We do. We bring the digital-first banking, lending and financial services typically provided to elite banking clients to Black, Latino and underbanked communities. Let’s spread financial service to all. Join us in disrupting banking, lending and the status quo. It’s time for Change.

We are America's CDFI

Certified by the U.S. Department of Treasury as a Community Development Financial Institution

$25 Billion

Loans Funded

100,000

Borrowers

A-

Investment Grade
Credit Rating

Our Purpose

Eliminate social and racial inequities

Close the wealth gap

Grow Black, Latino, and underbanked businesses and homeownership

Empower all Americans to pursue their dreams by providing equal access to financial tools

Our Purpose

Eliminate social and racial inequities

Close the Wealth Gap

Grow Black, Latino, and underbanked businesses and homeownership

Empower all Americans to pursue their dreams by providing equal access to financial tools

Our Company

We offer a full range of financial services to help diverse underserved and underbanked consumers and small businesses reach their financial goals

Change Home Mortgage provides financing solutions to all of America’s diverse homeowners and communities. Homeownership is the symbol of the American Dream, the cornerstone of wealth creation, a solution to the cycle of poverty, and a stabilizing force for working families. Our role as trusted advisors and passionate advocates is to help all American families and communities achieve homeownership, fairly and responsibly.

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Change Finance is the digital first banking platform that levels the playing field for Black, Latino, and underserved communities throughout America by bringing social and racial equity to lending and banking.

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An online marketplace for socially responsible investors - institutional, regulated, and individual/family office - to finance loans that increase social and racial equity.

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Change Lending offers specialized product solutions that support underserved communities. Lending services include: Small Business lines of credit, Investor Real Estate loans, Rehab Loans, Renovation Loans and Small Business Loans.

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Change Appraisal assists our diverse customers to ensure they have a qualified appraiser who is knowledgeable about their neighborhood and able to provide an accurate and reliable valuation based on the unique attributes of their property.

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Change Escrow ensures buyers and borrowers are treated fairly and responsibly. We strive to deliver to our clients all the benefits of their contractual rights.

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Change Home Loans makes the dream of homeownership possible for people in the diverse communities we serve. Through a variety of traditional and non-traditional mortgage products, we empower borrowers to invest in their homes, their communities, and their future.

Change Finance is the digital first banking platform that levels the playing field for Black, Latino, and underserved communities throughout America by bringing social and racial equity to lending and banking.

An online marketplace for socially responsible investors - institutional, regulated, and individual/family office - to finance loans that increase social and racial equity.

Change Lending offers specialized product solutions that support underserved communities. Lending services include: Small Business lines of credit, Investor Real Estate loans, Rehab Loans, Renovation Loans and Small Business Loans.

Change Appraisal assists our diverse customers to ensure they have a qualified appraiser who is knowledgeable about their neighborhood and able to provide an accurate and reliable valuation based on the unique attributes of their property.

Change Escrow ensures buyers and borrowers are treated fairly and responsibly. We strive to deliver to our clients all the benefits of their contractual rights.

MONEY FOR WHAT MATTERS

The Change Company levels the playing field for Black, Latino, and low income Americans

The Change Company Awarded Best CEO for Diversity and Best CEO for Women

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Change Home Mortgage Names Jon Irvine Chief Production Officer

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The Change Company Partners With Netflix To Expand Black Homeownership

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OUR COMMUNITY BOARD 

Reverend Everett Bell Jr.

Beatrice Stotzer

Ashley Thomas

Richard Ramos

Regina Grant Peterson

Pastor Jack Miranda

Theresa Martinez

Rev. Dr. Charles Dorsey

Alex Anderson

Rhonda Brent

Gary Dunn

Deatria Gates

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Our Community Board

Reverend Everett Bell Jr.
Beatrice Stotzer
Ashley Thomas
Richard Ramos
Regina Grant Peterson
Pastor Jack Miranda
Theresa Martinez
Rev. Dr. Charles Dorsey
Alex Anderson
Rhonda Brent
Gary Dunn
Deatria Gates
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OUR CUSTOMERS

Don’t take our word for it, our customers tell our story best

"Being a first-time homebuyer comes with its own set of challenges, facing the unknown, getting the required documents, and trying to decide what loan product best meets our needs. We contacted Change and our fears were immediately put to rest.”

- Toi S.

"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.

“When we first decided to buy our first home, we were initially afraid of the process. Once we decided on the neighborhood we wanted to live in, we talked to quite a few neighbors in the area, and they all recommended Change. The team did an outstanding job of educating us on the process of buying a house from start to finish. We are currently living our best lives in our dream home, thanks to Change.”

- James E.

STAY IN THE KNOW

Get the latest news about The Change Company

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All loans are subject to credit approval and acceptable collateral. Additional terms and conditions apply. Programs, rates, terms and conditions may change without notice. Not all programs are available in all states. Commerce Home Mortgage, LLC (“CHM”) is a state-licensed mortgage lender and broker, NMLS ID #1839. To verify licenses, visit www.nmlsconsumeraccess.org. AZ: Arizona Mortgage Banker License #0925326; CA: Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act; GA: Georgia Residential Mortgage Licensee #48010. For other states, click here.