How do you want to get started?
Find answers quickly online
Create an account, and within a few minutes get a personalized recommendation of how much you can afford and get your monthly payment.
Enjoy hassle-free home buying with our perfected purchase process
Talk to a Home Loan Expert
Answer a few questions, and we’ll have a Home Loan Expert call you.
· Get preapproved for free – before you shop for your new home – and get more bargaining power.
· We can match you with a trusted, prescreened real estate agent through our partners at Number1AgentsUSA.com. Partnered agents ensure a seamless home-buying experience.
· Our exclusive mortgage programs allow you to buy a home with a minimal down payment. Some mortgage programs require as little as 3% down! In many cases, your down payment can be a gift from a relative or nonprofit organization.
· Every day for the past 28 years we’ve helped Americans just like you, buy their first home. Contact us today to see how we can help.
Why you should choose ChangeMyRate.com®
· Only ChangeMyRate.com offers you the Closing Cost Slasher®, a unique method we use to virtually eliminate closing costs. Find out how these great options can help guide you to the best decision to meet your financial needs.
· Our exclusive online tools like MYCMR let you track your mortgage process from start to finish.
· We have an A+ rating with the Better Business Bureau and a AAA rating with Business Consumer Alliance.
Our most popular loan options for first-time home buyers
· FHA Loan
Purchase your home with only 3.5% down. Closing costs can be a gift from a relative!
· 30-Year Loan
Our most popular mortgage. Purchase your home with as little at 3% down or less than 3% equity. Get a low payment and the security your rate won’t change for the life of your loan.
· VA Loan
No down payment, no PMI and flexible credit requirements make the VA loan a top choice for veterans and active military members.