Change Lending, LLC dba Commerce Home Mortgage is a state-licensed mortgage lender, NMLS ID #1839. To verify licenses, visit Headquartered at 16845 Von Karman Ave., Suite 200, Irvine, CA 92606. AZ: Arizona Mortgage Banker License #0925326; CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; CO: Regulated by the Division of Real Estate; GA: Georgia Residential Mortgage Licensee #48010. OH: Licensed by the Ohio Department of Commerce, Division of Financial Institutions, Ohio Residential Mortgage Lending Certificate of Registration #RM.804654.000. For other states, see the Licensing page.

Equal Housing Lender. All loans are subject to credit approval and acceptable collateral. Additional terms and conditions apply. Programs, rates, terms and conditions may change without notice. All programs are not available in all states. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. Terms, conditions and programs are subject to change without notice.

The Home Mortgage Disclosure Act requires institutions to report loan data by lending transacted and acquired each year. This includes geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. This data is reported to the institution’s primary regulator on an annual basis for loans and applications of the previous calendar year. If requested, lenders need to have the information available within 30 days of the request but not earlier than March 31. To receive a copy of these data send a written request to:

Change Lending, LLC
Compliance Department
16845 Von Karman Avenue, Suite 200
Irvine, CA 92606

Note: No/low income documentation loans may have a higher interest rate, more points, or more fees than other loan products requiring full documentation. We also offer a full range of traditional loan products.

CDFI Products and CDFI LOGO

Change Lending, LLC and its loan products are not sponsored or endorsed by the U.S. Treasury Department or any other government agency.

FHA and USDA Loans

FHA and USDA Loans require an upfront and annual mortgage insurance premium. The upfront premium may be included in your loan amount. Change Lending, LLC is not affiliated with, sponsored or endorsed by a government agency.

Veterans Administration (VA) Loans

VA loans require an upfront Guarantee Fee. The upfront Guarantee Fee may be included in your loan amount. CHM is not affiliated with, sponsored or endorsed by a government agency.


By refinancing your existing mortgage, your total finance charge may be higher over the life of the loan.