About Us:
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 
  • We’ve got over 29 years under our belt providing world-class client service.
  • We make it happen
  • Want to get great tips and learn more about your finances, your home, and get to know some of the great folks at ChangeMyRate.com Read our blog – The Scoop!

Our Promise

With every client, every time, we deliver on the promise to make this your best mortgage experience ever.

  • A real person answers the phone when you call and we'll return your calls within one business day. Your happiness is our #1 priority.
  • We provide a checklist of documents you'll need and we set realistic expectations upfront so there are never any hidden fees or other surprises.
  • Our goal is to be your Broker for Life. When you choose us, you'll learn why our clients say they would recommend us to family and friends.
  • Wondering about closing? Don't worry - we'll meet you on your terms Home, office, coffee shop - you tell us where you want us to be.
  • Something not right? Tell us and we will do whatever we can to fix it.

Our Process

We’ve got all the fancy-schmancy technology to make your mortgage experience one of the easiest things you’ll ever do. Oh, and then there’s our unbeatable client service.

  • We utilize a computerized database to index and merge current loan applicants with institutions and investors that best suits their needs.
  • Online chat, conditional mortgage approvals in minutes, signing documents online - you name it, we've got it.
  • Check the status of your loan process online.
  • Need more details about how it works at ChangeMyRate.com? Read our Amazing Loan Process Let ChangeMyRate.com guide you through the home buying or refinancing process, and provide you with fast and efficient service. We will never place our interest ahead of yours.

Our Best Price Guarantee

We have the best pricing available through a plethora of lenders, we search out the best rate and fees based on your needs and goals. Here are the simplest means of showing you we can and will beat any valid lender lock in.

Here is our best pricing guarantee to you.

  • Bring a valid lender commitment to fund a loan at a specific interest rate, points and fees, and we will beat the commitment.
  • The commitment must be from a nationally recognized lender, and must be in our hands no later than 2PM on the day the interest rate is locked in.

Note: The commitment must include all points, originations fees, and all other lender fees.

Consumer Privacy

Our position is simple: Your personal information is your private property. We never sell or share your information with third party marketers. In fact, we won't share it with anyone unless you explicitly instruct us to do so.

Disclosures and Licenses


 is an Equal Housing Opportunity mortgage company. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. 

 is a licensed mortgage company. The following states require disclosure of license information. (If you state is not listed, it doesn't require a specific
license disclosure):

Our Service Area

 California - ChangeMyRate.com 4320 Atlantic Avenue, Suite 216, Long Beach, CA 90807. Bureau of Real Estate License #01523445

 – ChangeMyRate.com A Mortgage Corporation 102S. Tejon Street, Suite 1100, Colorado Springs, CO 80903.  Regulated by Colorado Mortgage Company Registration - NMLS  #1326269

Florida - ChangeMyRate.com A Mortgage Corporation, 8th Floor, 5201 Blue Lagoon Drive, Miami, FL 33126. Division of Finance - Branch License #MBR2316

Indiana - ChangeMyRate.com A Mortgage Corporation, 888 Keystone Crossing, Suite 1300, Indianapolis, IN 46240, Secretary of State: Securities Division - License Pending

 - ChangeMyRate.com A Mortgage Corporation, 301 S. Main St., Suite 2200, Baton Rouge, LA 70802. Office of Financial Institutions - Branch License #1591286

Michigan - ChangeMyRate.com A Mortgage Corporation, 3200 Greenfield Road, Suite, 300, Dearborn, MI 33126. Dept. of Insurance and Financial Services - Branch License # FL0020909

Michigan - ChangeMyRate.com A Mortgage Corporation, 41000 Woodward Avenue, Suite 350 East, Bloomfield Hills, MI 48304. Dept. of Insurance and Financial Services - Branch License # FL0020909

Texas - ChangeMyRate.com A Mortgage Corporation, 3200 Southwest Freeway, Suite 3300, Houston, TX 77027. Department of Savings and Mortgage Lending - Branch License #1588477

 - ChangeMyRate.com A Mortgage Corporation, 2150 South 1300 East, Suite 500, Salt Lake City, UT 84106.  Utah Division of Real Estate - Branch License #1667243

West Virginia - ChangeMyRate.com A Mortgage Corporation, Division of Financial Services - License Pending

ChangeMyRate.com A Mortgage Corporation Nationwide Mortgage Licensing System Number 1326269.

Visit the NMLS Consumer Access page for more information. 
NMLS access page

Coming To Your State

Alaska, Alabama, District of Columbia, Delaware, Georgia, Hawaii, Iowa, Idaho, Kansas, Kentucky, Massachusetts, Maryland, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, Pennsylvania, Puerto Rico, Rhode Island, South Dakota, Tennessee, Virginia, Virgin Islands, Vermont, Washington, Wisconsin, Wyoming