John Pipes

Sr. Mortgage Advisor
NMLS #
1104769
Las Vegas
View Branch
(702) 582-6965
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About

John

John is a 20 plus year specialist in the Home Mortgage space with Mortgage Companies and Banks, through thousands of Mortgage transactions and has held advanced Mortgage Planning, Military Housing and Credit Score designations for his practice, he represents Change Home Mortgage, a national direct Mortgage Banker as a Senior Loan Advisor.

John’s skills in advanced wealth building strategies, all credit & income loan structures, with comprehensive mortgage market services that are delivered on a 24/7 Consumer Direct Digital Lending platform working with multiple underwriting sources and manages the simple to the complex work himself.

Specializing in Non-Traditional No Tax Return needed Bank Statement and or 1099 loan types, with FNMA/FHLMC, FHA, VA, USDA, HECM, Foreign Nationals, Jumbo, No/Limited Income, Investment, and HELOCs.

John advises W’2, or Self-Employed, Business Owners or Real Estate Investors seeking purchase or refinance for cash-out, debt consolidation, renovations, rental properties, 2nd homes, new home, energy efficient, lot and multi-family.

Since 1994 Change Home Mortgage, is an award-winning Mortgage company that is a #1 Non-QM Lender, a member of the Federal Home Loan Bank of San Francisco, is Community Mortgage Program approved, and a CDFI approved Institution.

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Change Lending, LLC dba Change Home Mortgage is a state-licensed mortgage lender, NMLS ID #1839. To verify licenses, visit www.nmlsconsumeraccess.org. Headquartered at 175 N Riverview Drive, Suite C, Anaheim, CA 92808. AZ: Arizona Mortgage Banker License #0925326; CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act and California Financing Law; CO: Regulated by the Division of Real Estate; GA: Georgia Residential Mortgage Licensee #48010; MN: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206 (3) & (4); NJ: Residential Mortgage Lender License – N.J. Department of Banking and Insurance; OH: Ohio Residential Mortgage Lending Certificate of Registration #RM.804654.000. RI: Rhode Island Licensed Lender #20224336LL; IL:MB.6761600, Division of Banking Illinois Dept of Financial and Professional Regulation; 555 West Monroe St, 5th Flr; Chicago,IL 6066, 1-888-473-4858; For other states, visit www.changemtg.com. 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. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. CHANGE LENDING, LLC AND ITS LOAN PRODUCTS ARE NOT SPONSORED OR ENDORSED OR BEING OFFERED BY THE U.S. TREASURY DEPARTMENT OR ANY OTHER GOVERNMENT AGENCY. © 2026. Change Lending, LLC. All rights reserved.