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Traditional vs.
Non-Traditional

Change Home Mortgage offers traditional and non-traditional mortgages to a diverse range of borrowers, each with their own set of needs and expectations. Borrowers who seek traditional mortgages and meet the qualifying requirements will find everything from VA loans to conventional mortgages with excellent low rates. If strict qualifying requirements become a barrier, our non-traditional loans give deserving buyers alternative ways to qualify.

As a proud Community Development Financial Institution (CDFI), we help all kinds of people buy or refinance their homes. Change Home Mortgage offers more flexible mortgage options than typical private lenders, making the dream of homeownership a reality for more families.

Traditional vs.
Non traditional

Change Home Mortgage offers traditional and non-traditional mortgages to a diverse range of borrowers, each with their own set of needs and expectations. Borrowers who seek traditional mortgages and meet the qualifying requirements will find everything from VA loans to conventional mortgages with excellent low rates. If strict qualifying requirements become a barrier, our non-traditional loans give deserving buyers alternative ways to qualify.

As a proud Community Development Financial Institution (CDFI), we help all kinds of people buy or refinance their homes. Change Home Mortgages offers more flexible mortgage options than typical private lenders, making the dream of homeownership a reality for more families.

Contact a mortgage advisor

Traditional

Traditional or conventional loans have a typical set of required documents and set standards in order for the borrower to qualify for the mortgage. These loans suit many buyers with income from a job, savings for a down payment, and other criteria. Change Home Mortgage loan officers help buyers choose the right mortgage for their financial needs.

Conventional
FHA, VA, USDA
Jumbo
Reverse
Learn more

Non-Traditional

A non-traditional mortgage doesn’t conform to more traditional or conventional documentation requirements, for example. Non-traditional Mortgages can be a good choice for retired people, self-employed, business owners, and investors. Change Home Mortgage believes in the value of home ownership. We developed a suite of Portfolio Products to serve unique buyers.

Community Mortgage
Investor
Prime Plus
Alt-Doc
Learn more

Every Borrower Is Different.
Which One are You?

Conventional Loan

“I am a homebuyer with good credit, a down payment, and traditional documents including three years of tax returns with consistent income.”

Prime Plus Loan

“I have outstanding credit, income and assets, but I want the largest loan I qualify for to buy or refinance my home that is valued at over $1 million.”

Investor Loan

“I am purchasing a single family home to rent to others for income.”

Community or Alt-Doc Loan

“My income fluctuates from month-to-month and my taxes don’t fully reflect my full cash flow, but I have good credit and am looking for a fair loan that offers a lower loan amount in exchange for my less extensive income documentation.”

Contact a mortgage advisor