Our Commitment to Communities.

Financing homeownership responsibly for diverse communities.

Our Mission

To Finance Homeowners, Fairly & Responsibly.

As a direct seller and servicer for Fannie Mae, Freddie Mac, and Ginnie Mae, Change Home Mortgage combines regulatory expertise, financial strength, and operational scale to serve borrowers with diverse financial needs.

Our Core Values

Good People Do Good Work

The values we live everyday drive our success, underlie our customers’ gratification, and fulfill the dream of home ownership.

Service

We serve with purpose, providing clear guidance, timely support, and mortgage solutions built around real borrower needs.

Respect

We operate with respect by listening first, valuing different perspectives, and acting with integrity.

Transparency

We believe trust is built through clarity. We communicate openly, explain the details, and ensure borrowers understand every step of the process.

Accountability

We take ownership of our actions, follow through on our commitments, and hold ourselves to high standards.

Teamwork

We collaborate across teams and perspectives to deliver better outcomes for borrowers, partners, and communities.

Meet Our Team

We’ve built businesses that lent over $10 billion in capital, served 250,000+ borrowers, and scaled to over $2 million account holders while partnering with public and private financial institutions that are equally committed to social responsibility.
Madison Simm
Chief Executive Officer
Paul Lyons
Chief Operations Officer
Bill Durham
Senior Vice President,
Operations
Erin Hickey
Senior Vice President,
Retail
Loren Klure
Vice President,
Underwriting
Sabrina DeLeon
National Closing Manager
Amanda Villarreal
Operations Manager
Neb Muluneh
Underwriting Manager

Build your career with people who care.

We’re growing teams nationwide and looking for leaders who believe in responsible homeownership and long-term impact.
Join Our Team
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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.