Buy A House.

Make it A Home.

We Can Help.

From pre-approval to closing, our advisors guide you every step of the way.
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Buying vs. Renting

Buying a home builds long-term stability and equity, while renting often comes with rising costs and limited financial upside.
  • Build equity over time instead of paying rent
  • Fixed-rate mortgages offer predictable monthly payments
  • Homeownership creates long-term financial flexibility

Estimate Your Monthly Payment

Adjust the numbers to see how your loan amount, rate and term affect your payment.
$2098.43
Estimated monthly payments include principal and interest and are not an offer to lend. Tax, insurance, and other fees and charges may apply. Default interest rate displayed is illustrative only. Interest rates, total cost of mortgage, and monthly mortgage payment are estimates based on information you have provided. Actual mortgage payment and interest rate may be higher or lower than those displayed and will depend on your mortgage product, collateral, and credit history.

The Buying Process

Buying your home should be something to celebrate, not a source of stress. We make the mortgage process as simple, fast, and pleasant as possible.

Apply

Talk to your loan specialist to determine the best option for you, complete an application, and provide documentation.

Sign

Review and sign (or e-sign) documents provided by the disclosure team.

Underwrite

We’ll prepare your loan file for underwriting and order an appraisal. Then the underwriter will analyze your credit, income, and assets.

Approve

First, you’ll receive conditional approval, which may require responses to third-party requests. Afterward, the underwriter provides final approval.

Close

After the title or escrow company reviews the information, all parties sign loan documents at a scheduled time and place. We fund your loan soon after.

Know Your Numbers

Upfront costs

Once your purchase offer has been accepted, you’ll need to provide an earnest money deposit, which will be held in a third-party trust account, such as an escrow company or real estate attorney, for example:
  • The deposit will be 1% to 3% of the purchase price
  • If you cancel the purchase, you forfeit the deposit
  • After completing the purchase, your deposit will be applied to your required funds, like the down payment or closing costs

Closing Fees

Most home purchases require a down payment based on the loan criteria. Qualifying U.S. veterans with Veterans Administration (VA) loans are an exception.

Additional Fees

Depending on the lender or seller, you may be required to pay fees at closing, including:
  • Private mortgage insurance (PMI)
  • Homeowner’s insurance
  • Title insurance
  • Escrow/attorney fees
  • Points and/or origination fees
  • Document preparation fees
  • Survey fee
  • Pest or mold inspection
  • Property taxes
  • Recording fees

Ready to Buy?

Our mortgage advisors are here to help.
Contact A Mortgage Advisor
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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.