VA Loans

Built for Those Who Serve

Why Choose a VA Loan?

  • Up to 90% Financing - Buy or refinance with minimal upfront costs
  • No Prepayment Penalties - Pay off your loan on your terms
  • Low Closing Costs - Keep more money in your pocket
  • IRRRL Available - Easily lower your interest rate
  • Gift Funds Accepted - Use gifts toward your down payment
*VA loans are available to eligible veterans, active-duty service members, and surviving spouses.

Not sure if a VA Loan is right for you?

Our advisors will help you compare options and find the best fit for your situation.
Contact A Mortgage Advisor
ProductsBuyRefinanceHomeownership EducationYour Home Loan ToolkitARM HandbookFuture Homebuyers Program
Find An AdvisorBranchesContact UsPayment Center
AboutCareersPress
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.