Joe Arici

Account Executive

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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

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I spoke with Joe who told me about two loan programs that my client could qualify for(12-month P&L and a no doc loan). We decided to move forward with the12-month P&L and were able to get the deal done in about 30 days.

My buyer is happy... the realtor that brought him to me is ecstatic, and because we saved this deal, we helped two other families in this deal (a buyer who was purchasing my buyer’s home and the buyers of THAT buyers' home).

This would not have happened without Change so you can rest assured I'll be adding them to my definite list for Non-QM moving forward.

Ryan

If you need a great Non-QM Partner for your loans, please call Joe. I had a $815k DSCR loan that Carrington denied at the lastminute. This was my first referral from this Realtor (friends on F) and they were about to lose$18k. Joe came to the rescue and got our CTC in 9days got us an LTV(80%) on a short-term rental Air DNA DSCR loan that was 5% higher than Carrington. Carrington needed the appraiser to come up with short term rental numbers and it was thousands less per month. On my first call with Joe, he pulled up the data and sent to his UW and we were off to the races. They also only use a 25% expense ratio on business bank statements and only need one year SE. Highly recommend connecting with him and giving him a chance to earn your business.

Kevin B.

I got a referral from a realtor I have been working to get business from and she sent me a client with challenging income. He made $94K as a driver, but after write-offs, his income was around $6K - obviously an issue. Joe was one of the brokers I reached out to and discussed bank statement loans. After reviewing the bank statement program, we realized we would still be short on DTI because of the expense ratio factor of 50% or 60%. He pitched an ALT-Doc loan they offer where we can use the 1099income with only a 10% ratio– HUGE WIN. By using this program, we were able to get approved to close Thursday on a home with a purchase price of $477,500 where the buyer shows $6Kin income on his tax returns. I would highly recommend reaching out to Joe and his team for any challenging situation you are up against because sometimes it just takes a little more leg work to find the right program for the buyer.

Casey D.

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