About Commerce

Our Commitment to Communities

Founded in 1994, Commerce Home Mortgage is a residential lender certified by the United States Department of the Treasury as a Community Development Financial Institution (CDFI). As a direct seller/servicer for Fannie Mae, Freddie Mac, and Ginnie Mae, we have the regulatory, financial, and operational capabilities to serve borrowers who have a variety of financial needs.

For many people, homeownership can feel like a long shot when the documentation and down payment requirements of a traditional mortgage derail their dreams. Commerce Home Mortgage offers non-traditional mortgage options that empower homebuyers to reach their homebuying goals.

Our Mission

To Bank the Unbanked, Fairly and Responsibly

Change Home Mortgage provides financing solutions to underbanked 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 unserved families and communities to achieve homeownership fairly and responsibly.

Our Core Values

Good People Do Good Work

The values we live everyday drive our success, underlie our customers’ gratification, and fulfill the dream of home ownership.


We work hard to understand the specific needs of each customer, ensuring their personal experience is more valuable than the transaction.


We communicate openly and act with integrity to provide clarity in every transaction and keep our customers well informed.


We collaborate as a team, while embracing our associates’ unique perspectives, to cultivate an exceptional customer experience.


We operate from a place of empathy, rewarding compassionate gestures and hard work while helping our customers, partners and associates achieve their goals.


We take responsibility for our actions, regardless of the circumstances, as we continue to learn and grow together.

Awarded Best Place to Work

We’re only as good as our people and our people are the best!

California Consumer Privacy Act – Employee Notice at Collection