Cole Eby

I had the absolute pleasure of working with Cole Eby and Soeuth Kheav, and I can confidently say that Change Wholesale is incredibly lucky to have both of them on their team.

Their professionalism, responsiveness, and strong work ethic stood out from the start. Every question I had, big or small, was answered promptly and thoroughly. They made the entire process smooth and stress-free, and were just genuinely great to work with.

I truly appreciate their dedication and support throughout, and I look forward to working with them again in the future!

Tiffany

There were actually 8 loans that were closed at the same time for the same borrower - The Wiesner 8-Pack.

Cole Eby and Soeuth Kheav went above and beyond the scope of excellence with their help in getting these loans closed and funded. Including, help with finding insurance agents, asking for exceptions, and providing guidance when it came to clearing the conditions.

It truly took a great deal of teamwork and dedication and these guys did not give up -- they were the best! I am looking forward to working with them again in the future because I know they will do whatever they can to help us be a successful broker and get out loans to the finish line. THANK YOU!

Debbi T.

Cole is the best!  Always available for me and helped me through the process - start to finish.  Can't wait to do more business together. Thank you, Cole.

Glenn C.

What I appreciated most was how responsive Cole, Soeuth and the team were throughout the process, this was not an easy file, but with everyone working together we got  it done, Thank you all! Looking forward to more closings together!

Vanessa G.

Because he was recently self-employed as a consultant - to his own former business -Jian was not able to qualify with traditional lenders due to his lack of a two-year history in his new job. Because of Jian’s prime credit score of 753,30% down payment, and his lucrative consulting role with the business he had just sold, we were able to help him realize his dream of homeownership with a Community Mortgage.

Jian | Recently Self-Employed Consultant

‍

Hassan is not paid in U.S. dollars and is employed by a foreign company. Foreign source income is disqualified by other lenders, even for legal U.S. residents. As a Foreign National, Hassan does not file U.S. tax returns, so his income documentation wouldn’t suffice for a traditional mortgage lender. Hassan’s 770 prime credit score, 48% LTV on the new home purchase, and proven history of paying his mortgage as agreed meant we could qualify Hassan with a Community Mortgage, while eliminating the hassle and closing delays he experienced with his previous lender.

Hassan | Foreign National Borrower

‍

Because Cierra recently went back to work after a six-month hiatus, she wasn’t able to show the two consecutive years of employment history required to qualify for a traditional mortgage. With Cierra’s 58 months of reserves after closing, a 30% down payment for the new home, her prime credit score of 762, and her new job, we were able to provide Cierra with a Community Mortgage loan for her and her daughter’s new home.

Cierra | Recent Inheritance & Gap Employment History

‍

As a real estate professional, Juan can generate tax losses from items such as accelerated depreciation and other tax incentives; thus, his taxable income has been negative in recent periods and/or below his GAAP income. Due to his tax-efficient business, he has not been able to get a traditional bank loan and had taken out a 10% hard money loan to acquire his new house. With a 50% down payment, ability to pay the 10% interest rate on the hard money loan, and history of successful homeownership, Juan and Mondie received a Community Mortgage loan that enabled them to upgrade their home while reducing their overall interest expense.

Juan& Mondi | Looking to Tap Trapped Home Equity

‍

With volatile income from her business, Luz couldn’t provide the income documentation necessary to qualify for a traditional mortgage. Her monthly and annual income volatility was exacerbated by the fact that her business is an "all-cash" business; her taxable income did not necessarily reflect her cash flow and ability to make monthly mortgage payments. With almost four years of reserves after close, a 30% down payment, and a prime credit score of763, this savvy business owner qualified for a Community Mortgage to buy her new home.

Luz | Small-Business Owner with Irregular Income

‍