NON-TRADITIONAL MORTGAGE
Our Non-Traditional Loans Fit Your Unique Circumstances
When you’re ready to buy but don’t meet documentation requirements for a traditional mortgage, Change Lending, LLC. can help. We offer loan options tailored to the needs of unique buyers.
Community Mortgage
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.
Investor Program
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.
Alt-Doc Program
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.
EZ Prime Program
EZ Prime offers quick qualifying based on loan-to-value, FICO, and liquidity. It features great rates for borrowers with a strong credit profile and ample reserves, reducing documentation for the credit underwriting decision. With EZ Prime, income is not verified and debt-to-income is not calculated.
EZ Prime is Ideal for borrowers with a strong credit profile and ample reserves
Foreign National Program
Qualifying for conventional financing for a U.S. property can be challenging for Foreign Nationals due to traditional asset documentation requirements. Change Lending, LLC. has designed a mortgage program that serves non-U.S. citizen borrowers who want to buy or refinance a second home or investment property. Homebuyers can qualify based on the rental income of the property – credit scores are not required to qualify.
Non-U.S.-citizen borrowers who want to purchase a second home or investment property. This program serves non-resident aliens who holds a visa for temporary residency, not Non-Permanent Resident Alien status.
EZ Prime Program
EZ Prime offers quick qualifying based on loan-to-value, FICO, and liquidity. It features great rates for borrowers with a strong credit profile and ample reserves, reducing documentation for the credit underwriting decision. With EZ Prime, income is not verified and debt-to-income is not calculated.
EZ Prime is Ideal for borrowers with a strong credit profile and ample reserves