Valerie Carlo
Mortgage Advisor | NMLS# 1700415
At Change Home Mortgage, we believe getting a home loan should feel clear, confident, and personal. Whether you’re buying, selling, refinancing, or building your dream home, our team is here to provide quick, accurate financial guidance tai...... Show More
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Business Hours
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8 AM to 5 PM
Fri
8 AM to 5 PM
Sat
closed
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Reviews from Web
good support and response to all my questions
Reply from Valerie Carlo
April 10th, 2026 03:42 PM
I really appreciate the feedback and am looking forward to working with you again.
Valerie was awesome! She always had a lot of knowledge and talked me through all the steps when I was unsure.
Reply from Valerie Carlo
March 24th, 2026 04:16 PM
I enjoyed working with you. Thanks for the great feedback.
Val kept us updated the whole time on each step. She was very good at navigating the requests from the underwriters, which seemed at times a little excessive. she was always pleasant and and professional.
Reply from Valerie Carlo
March 23rd, 2026 07:57 PM
I really appreciate the feedback and am looking forward to working with you again.
Val Carlo was an was an expert navigating us through the proceas
Reply from Valerie Carlo
March 16th, 2026 11:27 PM
I enjoyed working with you. Thanks for the great feedback.
She’s a total baddie. Highly competent, always on the ball, and truly fights for her clients. On top of that, she secured me the best rates. If you want someone who will advocate for you and get it done right, she’s the one.
Reply from Valerie Carlo
January 12th, 2026 11:54 PM
It was great working with you. Thanks again for putting your trust in us.
Easy simple step by step process.
Reply from Valerie Carlo
December 22nd, 2025 06:47 PM
Thank you for the 5-Star review. If you need anything, feel free to give us a call.
Valerie was very efficient and helpful as she processed our loan. She did a great job!
Reply from Valerie Carlo
December 18th, 2025 05:58 PM
Thank you for the 5-Star review. If you need anything, feel free to give us a call.
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About
At Change Home Mortgage, we believe getting a home loan should feel clear, confident, and personal. Whether you’re buying, selling, refinancing, or building your dream home, our team is here to provide quick, accurate financial guidance tailored to your unique goals.
We’re committed to helping you make the right choice for you and your family, and to delivering a level of customer service that not only meets but exceeds your expectations. From first conversation to closing day, you can count on us to make your mortgage experience smooth, transparent, and truly supportive.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Construction Loan
Fixed Rate Mortgages
Adjustable Rate Mortgages
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Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 1700415
Disclaimer
Change Lending, LLC dba Change Home Mortgage, 175 N Riverview Drive, Suite C, Anaheim, CA 92808. NMLS ID #1839. Verify licenses at: www.nmlsconsumeraccess.org. AZ: Arizona Mortgage Banker License #0925326; CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act and California Financing Law; CO: Regulated by the Division of Real Estate; GA: Georgia Residential Mortgage Licensee #48010; MN: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206(3) & (4); NJ: Residential Mortgage Lender License – N.J. Department of Banking and Insurance; OH: Ohio Residential Mortgage Lending Certificate of Registration #RM.804654.000. RI: Rhode Island Licensed Lender #20224336LL. For other states, visit www.changemtg.com. All loans are subject to credit approval and acceptable collateral. Additional terms and conditions apply. Programs, rates, terms, and conditions may change without notice. Not all programs are available in all states. This is not a commitment to lend. Equal Housing Lender. © 2025. Change Lending, LLC. All rights reserved.