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

Becausehe 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 atwo-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 hadjust sold, we were able to help him realize his dream of homeownership with aCommunity Mortgage.

Jian | Recently Self-Employed Consultant

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

Hassan | Foreign National Borrower

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Because Cierra recently went back to work after a six-month hiatus, she wasn’t able toshow the two consecutive years of employment history required to qualify for atraditional 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 herdaughter’s new home.

Cierra | Recent Inheritance & Gap Employment History

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As a realestate professional, Juan can generate tax losses from items such asaccelerated depreciation and other tax incentives; thus, his taxable income hasbeen negative in recent periods and/or below his GAAP income. Due to histax-efficient business, he has not been able to get a traditional bank loan andhad taken out a 10% hard money loan to acquire his new house. With a 50% downpayment, ability to pay the 10% interest rate on the hard money loan, andhistory of successful homeownership, Juan and Mondie received a CommunityMortgage loan that enabled them to upgrade their home while reducing theiroverall interest expense.

Juan& Mondi | Looking to Tap Trapped Home Equity

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Withvolatile income from her business, Luz couldn’t provide the incomedocumentation necessary to qualify for a traditional mortgage. Her monthly andannual income volatility was exacerbated by the fact that her business is an"all-cash" business; her taxable income did not necessarily reflecther cash flow and ability to make monthly mortgage payments. With almost fouryears 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 hernew home.

Luz | Small-Business Owner with Irregular Income

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