Itschrislamm

🏡 Multi-State Mortgage Lender 20+ Years | 🙏🏾 Teaching SMART Real Estate Finance | Powered by ✝️&☕️ Change Lending, LLC dba Change Home Mortgage, NMLS ID #1839.

Change Home Mortgage offers traditional and non-traditional loans as diverse as the borrowers we serve. Headquartered at 16845 Von Karman Ave., Suite 200, Irvine, CA 92606. AZ: Arizona Mortgage Banker License #0925326; CA: Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act; CO: Regulated by the Division of Real Estate; GA: Georgia Residential Mor

tgage Licensee #48010. OH: Licensed by the Ohio Department of Commerce, Division of Financial Institutions, Ohio Residential Mortgage Lending Certificate of Registration .804654.000. To verify licenses, visit www.nmlsconsumeraccess.org. All loans are subject to credit approval and acceptable collateral. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. © 2021. Change Lending, LLC. All rights reserved.

10/31/2025

Funded and thriving in the Pacific Northwest! 🌲

Congrats to our first-time homebuyer in SeaTac, WA on purchasing this beautiful multi-family property. Creative solutions and teamwork made this one possible, helping another client build long-term wealth through real estate.

If you’re looking to buy, refinance, or invest, our team is here to help you find the right strategy for your goals.

🔗 reddinglender.com

10/27/2025

Helping first-time buyers feel confident is what we do best. Huge thanks to Aylyn for sharing her story - with the right team by your side, even the most overwhelming process can feel simple and stress-free.

Whether you’re buying your first home or your fifth, we’re here to guide you every step of the way. 🏡

10/25/2025

📢 We’re hiring!
⚡️ Pre-Approval Manager (credit and income analyst)

Let’s talk if you...
✅ Turn complex files into clean, ready-to-close approvals
✅ Know FNMA, FHLMC, FHA, VA, & USDA programs inside & out
✅ Understand Non-QM products like the back of your hand
✅ Thrive in a fast-paced, detail-driven lending environment
✅ Prefers structuring over prospecting
✅ An underwriter who wants more impact and fewer fire drills
✅ A senior processor who already pre-underwrites everything
✅ Mortgage Assistant who lives in DU/LP + Encompass

What You'll Do...
🔴 Own same-day, bullet proof pre-approvals
🔴 Structure agency + Non-QM, complex income (K-1, S-Corp, Schedule E), credit & rapid rescores
🔴 Partner with LOs and lead our scenario desk to re-work and speed contracts

What You Know...
💡 3+ years Conv/FHA/VA/USDA (Non-QM a plus)
💡 DU/LP, Encompass, TRID/compliance
💡 Complex income math (W-2 + self-employed)

Why Here...
💵 Extremely competitive comp: high base + profit bonus + benefits
🏆 Award-winning team, elite culture, growth runway (remote/hybrid possible)

🤐 Confidential inquiries welcome

📧 Email resume to [email protected] or DM “Pre-UW”

10/24/2025

Big results for our clients this week 🏡 From first-time homebuyers and Florida investment properties to cash-out refinances and lower monthly payments, we’re helping people reach their goals in every type of market.

Whether you’re buying, refinancing, or exploring creative lending solutions, our team is here to guide you every step of the way.

10/23/2025

FHA UPDATE: “Payment Abatement” on New Purchases 🏡

What’s being shared:
• FHA is allowing a “payment abatement” feature on purchase loans designed to ease the first few months after closing.

Intention:
• Provide short-term cash-flow relief for buyers during move-in and setup.

How it works (per the announcement):
• Applies to FHA purchase transactions.
• For the first 3 or 6 months, seller/builder contributions may cover interest, escrowed taxes/insurance, and monthly MIP (subject to FHA interested-party limits).
• Borrowers prepay only the principal portion during the abatement period.
• Standard underwriting, caps on contributions, and lender overlays still apply.

Big picture:
• Short-term relief vs. long-term affordability trade-offs vary by deal structure.

👉 Do you think this helps homebuyers—or is it risky?

10/20/2025

Helping clients navigate the path from pre-approval to homeownership is what we do best, and Euan’s story is proof of that. From day one, our team stayed transparent, efficient, and committed to making his dream of owning a home a reality.

Whether you're buying your first home, refinancing, or investing, we’re here to make the process clear, simple, and successful.

10/17/2025

Big wins for our clients this week 🏡 From quick closes and creative financing to streamlined refinances and low-rate loans, we’re helping buyers and homeowners reach their goals in every kind of market.

Whether you’re investing, refinancing, or buying your first home, our team is ready with strategies that make it happen.

10/10/2025

Another week of helping clients reach their goals, from first homes to smart investments:

🏡 Redding home funded
📉 Investment property closed in just 21 days with a low rate
💼 Redmond, OR property funded with creative Non-QM financing and closed in under 30 days
🔄 Anderson refinance complete

No two loans are the same, but with the right strategy and solutions, we make them happen.

10/08/2025

When gold breaks records, it’s not “good news” — it’s a sign that money’s nervous and policy is tight.

Gold rises when the Fed squeezes liquidity, and housing almost always slows right after.

Affordability is a real problem — not because homes are too expensive, but because decades of stimulus (and then a violent tightening cycle) have distorted what “normal” even means.

Here’s the truth:
Prices could soften more through the holidays. They almost always do.
But history shows that the window that feels most uncertain is usually right before the rebound begins.

And when I say pivot, I don’t mean a token 0.25% rate cut.
That’s not a real pivot — that’s a headline.

A real pivot happens when the Fed starts easing liquidity, releases pressure on mortgage-backed securities, and resumes quantitative easing — the same hidden levers that drove rates down sharply in 2009, 2012, and 2020.

We’re not there yet — but make no mistake, when those mechanisms flip, mortgage rates can fall fast and hard.

👉 Fear creates value.
👉 Policy creates the rebound.
👉 Real estate rewards those who prepare while others panic.

And let’s be honest — real estate is a long-term play.
The days of buying a home and seeing it jump 20% in a year are over (for now).

If you buy in this market, think in 5–10-year terms.
There are incredible opportunities out there — right now — but you have to be in the game to see them.

The fourth quarter is historically a buyer’s market:
• Closed Sales 5–10% lower,
• Competition thins out,
• And sellers who stay listed through winter are usually the most motivated.

So while others are waiting for “certainty,” the best deals are quietly changing hands.

👇
Your turn:
Do you think prices will drop over 20% from here or rates will come down first?

10/07/2025

Join us for this exclusive mastermind session tailored for real estate professionals. Start the new year with a winning strategy and gain access to tools that have helped dozens of agents achieve 20%+ business growth year after year.

What You’ll Learn:

✅ Use Core Coaching's proven business plan to drive growth in Q1 2026.
✅ Identify opportunities to generate warm, qualified referrals.
✅ Leverage the "Wheel of Life" for goal-setting and balanced success.

🗓️ Thurs, October 16th, 12:00 - 1:00 pm
+ Lunch Provided
📍 970 Executive Way, Redding, CA 96002

RSVP now to secure your spot at this informative and engaging event. See you there! 🤝🏠 https://form.jotform.com/231567623657161

10/03/2025

🏡 Another week, more families in their new homes!

From Redding to Shasta, Cottonwood to Anderson, we’re honored to help buyers secure financing that fits their story.

✔ VA Loan funded for a local hero
✔ FHA Loan approved for a first-time buyer
✔ Quick close to keep moving timelines on track
✔ Families unlocking the door to their future

Every loan is unique, but one thing stays the same: creative solutions and a dedicated team making it happen.

👉 Thinking about buying or refinancing? Let’s talk strategy.

09/26/2025

Funding homes, funding dreams. Just a few of the creative loans we closed this week for amazing clients. From VA cash-out refinances to non-QM investment property loans and fast escrows, our team finds solutions where others say no.

Need a creative lending solution to make your next deal happen? We can help. Message us to talk about options.

Address

970 Executive Way
Redding, CA
96002

Telephone

+15302821166

Website

http://reddinglender.com/

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