Buy Your Next House


Have questions? The Home Loan Experts have your answers!

You can call a Home Loan Expert at (562) 981-7700 during the following times:

Monday – Friday 9:00 a.m. to 10:00 p.m.

Saturday 10:00 a.m. to 6:00 p.m.

Sunday 10:00 a.m. to 5:00 p.m.


Finding a new home will be
seamless
with our simple online tools and proactive updates

 

We’ve perfected the process – free your mind to concentrate on your move

·         Our pre-approval will give you more leverage when bidding on your new home. And you can close in just weeks – another bargaining chip!

·         Our partners at Number1AgentsUSA.com can match you with one of our trusted real estate agents in your area ensuring a seamless home buying experience.

·         Home loans are all we do – we’ll listen to your unique situation and guide you to the best loan options to meet your needs.

·         Every single day we help Americans purchase new homes. Contact us today to see how we can help.


Why you should choose ChangeMyRate.com

·         Only ChangeMyRate.com offers you the Closing Cost Slasherand PMI Buster. Find out how these great options can help guide you to the best decision to meet your financial goals.

·         Our exclusive online tools like MyCMR let you track your mortgage process from start to finish.

·         We have a AAA rating with the Business Consumer Alliance.

·         And our customer service testimonials 3rd party verified

·         See where we’ve financed homes near you!


Our most popular loan options when buying a home

·         30-Year Loan
Get a low mortgage rate that’s fixed for 30 years.

·         15-Year Loan
Save thousands by paying off your home early with a 15-year fixed!

·         Jumbo Loans
Get a low payment on your big loan! A jumbo loan is any loan over $424,000.

·         FHA Loans

            Easy qualification for refinancing and a low down payment when buying a home.

·         VA loan

            An exclusive benefit for active-duty military personnel, veterans and their families.

·         USDA

            Design for homebuyers in rural locations who do not qualify for a conventional loan

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Mortgage News:
 
MBS RECAP: Quietest Day of The Week Despite Several Interesting Tidbits
6/23/2017 4:32 PM
Posted To: MBS CommentaryWe've been watching the intraday trading ranges in bond markets to keep an eye on just how flat things have been in the wake of last Wednesday's big trading day (due to econ data and the Fed). "Inside day" is a term that comes up when things are this flat. It refe...Read More
 
Rates Cap Impressively Sideways Week Near Long-Term Lows
6/23/2017 3:59 PM
Posted To: Mortgage Rate WatchWeeks like this are the reason that some mortgage rate analysis is only done once a week. There haven"t been any significant developments in financial markets--at least not as far as bonds (which dictate rates) have been concerned. And there certainly hasn"t been any significant mo...Read More
 
Diversity Not Destined to Dampen Homeownership
6/23/2017 1:09 PM
Posted To: MND NewsWireThe final installment of a series of working papers produced by the University of Southern California (USC), in partnership with Fannie Mae, looks at the decade-spanning 10-point plunge in the homeownership rate of young Americans. Homeownership has declined, starting even before the housing crisis...Read More
 
New Home Sales Rebound; Prices Crush Previous Record
6/23/2017 9:46 AM
Posted To: MND NewsWireThe report on May new home sales, released this morning, paints a much brighter picture than last month's release of April data. In that report, the U.S. Census Bureau and the Department of Housing and Urban Development said new home sales had dropped 11.4 percent from their March level, to a s...Read More
 
Legal and Compliance News - Servicing Enforcement Action
6/23/2017 9:13 AM
Posted To: Pipeline PressRumors continue to swirl, this time about Orange County’s Americash. Yes, the drop in refi volume is showing, and even if you made it through the bad first quarter, it’s not a cake walk out there. On the other hand, I wish I owned stock in George Clooney....Read More
 
MBS Day Ahead: Bond Traders Eyeing The Exits As Flat Week Winds Down
6/23/2017 7:59 AM
Posted To: MBS CommentaryYou've heard of "innocent until proven guilty." This week of trading in bond markets has been "flat and boring until proven volatile." For many, it's the first full week of summer. For others, it's the week where their kids finished school. And for e...Read More
 
MBS RECAP: Bonds Modestly Stronger, But Sideways Theme Remains
6/22/2017 3:43 PM
Posted To: MBS CommentaryYesterday's recap went into some detail about the market phenomenon that can result in intense periods of sideways momentum (and trader apathy) during certain weeks of certain summertime months. Long-story short, this week was a great candidate for what some market participants...Read More
 
Mortgage Rates Sideways to Slightly Lower
6/22/2017 2:50 PM
Posted To: Mortgage Rate WatchMortgage rates have been so little-changed in recent days that yesterday"s coverage wouldn"t need to be changed in order to apply perfectly today. Indeed, the 3rd paragraph is a word-for-word repeat. To be fair though, we would need to update yesterday"s reference to "especially ov...Read More
 
FHFA Home Prices Continue Strong Gains
6/22/2017 8:38 AM
Posted To: MND NewsWireApril data from the Federal Housing Finance Agency (FHFA) indicates that, once again, there was no moderation in the pace of home price increases . FHFA"s Housing Price Index (HPI), which is based on loans sold to or guaranteed by the two GSEs, Fannie Mae and Freddie Mac, increased 0.7 percent from...Read More
 
Prepayment Rate and Refinanceable Population Have Both Soared
6/22/2017 8:18 AM
Posted To: MND NewsWirePrepayments, apparently spurred by the recent retreat in interest rates, soared in May. Black Knight Financial Services, in its "first look" at the month"s mortgage performance data, said there was a 23 percent increase in prepayments, historically a good indicator of refinancing activity , from Ap...Read More