Payment and Loan Servicing.

Financing homeownership responsibly for diverse communities.

Thank you for choosing
Change Home Mortgage

Once your loan closes we may assign, sell, or transfer the servicing of your loan. If your loan is sold or transferred, you will receive notification through the mail indicating where your payments should be made and who to contact for servicing questions. On loans that Change Home Mortgage, c/o LoanCare, LLC retains, we may use LoanCare to perform the subservicing activities such as, but not limited to, collecting payments, as well as remitting tax and/or insurance payments for escrowed loans.
At Change Home Mortgage, we pride ourselves on providing extraordinary service to our clients and rely on our servicing partner to uphold the same standards. If you experience difficulty finding answers to your questions, or navigating the loan payment center website, please contact our corporate Loan Servicing team at (866) 860-2880 or servicing@changemtg.com and we will help you resolve it. It’s what we are here for.
Go To LoanCare

Payment & Loan Servicing Questions

Mortgage Clause Change Home Mortgage

c/o LoanCare, LLC
ISAOA/ATIMA
PO Box 202049
Florence, SC 29502

Insurance Inquiries

To update or confirm your homeowners or flood insurance information, please contact our insurance center at ‍(866) 822-0890 or click here to submit updated insurance information.

Three Payment Options

1. Online

You will need your Shellpoint loan number as provided in your closing package to obtain online access. For questions, contact (855) 876-9221.

2. Phone

Call (855) 876-9221 to authorize immediate payment using funds from an account of your choosing.
8:00 AM – 10:00 pm EST Monday – Friday
8:00 AM – 3:00 PM EST Saturday

3. Mail

You may submit payments by mail to the addresses below, based on the location of the subject property.

West Coast

Change Home Mortgage
c/o Loan Care, LLC
PO Box 60509
City of Industry, CA 91716-0509

AK, AZ, CA, CO, HI, ID, IL, KS, ND, NE, MT, NM, NV, OK, OR, SD, TX, UT, WA, WY

East Coast

Change Home Mortgage
c/o Loan Care, LLC
PO Box 37628
Philadelphia, PA 19101-0628

AL, AR, CT, DC, DE, FL GA, IA, IN, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NH, NJ, NY, OH, PA, RI, SC, TN, VA, VT, WV, WI
If you are unsure which address to send your payment, please refer to your statement or call (855) 876-9221

General Information

Goodbye Letter Address

Change Home Mortgage
C/O LoanCare, LLC
‍PO Box 8068
Virginia Beach, VA 23450
‍
Customer Support: (855) 876-9221

Overnight Letter Address

Change Home Mortgage
C/O LoanCare, LLC
3637 Sentara Way
Virginia Beach, VA 23452

Hazard & Flood Insurance (Mortgage Clause)

Change Home Mortgage
ISAOA/ATIMA C/O LoanCare
PO Box 202049
Florence, SC 29502-2049

Fax (843) 413-7127

Property Tax

Change Home Mortgage
C/O LoanCare, LLC
Attn: Escrow Department
PO Box 43070
Jacksonville, FL 3220

Notices of Error (Information Request)

Change Home Mortgage
C/O LoanCare LLC
Attn: Mortgage Resolution
PO Box 8068
Virginia Beach, VA 23450
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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.