Itschrislamm

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.

Are ADU’s the key to the housing dilemma in 2025 and beyond for California?
12/18/2024

Are ADU’s the key to the housing dilemma in 2025 and beyond for California?

🏡📈 Don't miss out - RSVP today 🏡📈 Join us for this exclusive mastermind session tailored for real estate professionals. ...
12/05/2024

🏡📈 Don't miss out - RSVP today 🏡📈

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 2025.
✅ Identify opportunities to generate warm, qualified referrals.
✅ Leverage the "Wheel of Life" for goal-setting and balanced success.

🗓️ Tues, December 10th, 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

Plan for Success with Proven Tools to Grow Your BusinessJoin us for this exclusive mastermind session tailored for real ...
11/26/2024

Plan for Success with Proven Tools to Grow Your Business

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 2025.
✅ Identify opportunities to generate warm, qualified referrals.
✅ Leverage the "Wheel of Life" for goal-setting and balanced success.

🗓️ Tues, December 10th, 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

🌟 MortgageOne is Hiring! 🌟We're on the hunt for a 💎 Team Loan Partner. Join a growth orientated team and company that in...
07/30/2024

🌟 MortgageOne is Hiring! 🌟

We're on the hunt for a 💎 Team Loan Partner. Join a growth orientated team and company that invests in your success!

🔑 COMPETITIVE PAY + BONUS 💥

⚠️ This position would be perfect for loan officers who are tired of chasing business, or someone already in the banking, financial or real estate and mortgage industry. If you have great communication and office skills we want to meet you!

Full-time Benefits Include:
✅ 401(k)
✅ Dental insurance
✅ Health insurance
✅ Life insurance
✅ Paid time off
✅ Vision insurance

🚀 Be part of an award winning, friendly, supportive team that's growing and pushing boundaries in the industry.

For a confidential and private interview, email your resume to: [email protected]

07/01/2024

From debt to millionaire

Real stories of life-changing success.

Hear firsthand accounts of incredible journeys, from a surfer guy with bad credit to making over $25 million in deals.

Tune in for tales of resilience, determination, and financial transformation.

06/27/2024

Did you know that 20% down is a MYTH?

Many home buyers think they can't purchase a home unless they have enough cash to put 20% down.

That's not true!

The truth is you can actually go as LOW as 0%, and many put less than 5% down.
It just comes at the cost of PMI.

What most people don't realize is that you have choices when it comes to your mortgage. Ask your lender.

They can walk you through all of the available options for you.

Did you know that you could go as low as 3%?

Want to learn more about the home buying process?

For more creative finance and wealth creation tips follow me👊🏾



06/26/2024

Refinancing secrets homeowners must know

If you're going to refinance your home you need to think about this first….

Avoid this common mistake! Many homeowners tap into their equity to pay off high-interest debt but often end up in the same situation later. Make sure you have a solid plan to invest the money you save each month.

Share your thoughts or questions below!

06/24/2024

Wise men and women do this

Reaching a point in our careers where we're seen as experts doesn't mean we know everything.

True maturity and confidence come from acknowledging what we don't know and seeking help from those who do.

It's the essence of community – borrowing from each other's strengths. I'm grateful for the comfort in knowing I still have so much to learn, and that's a wonderful thing.

Click the link in bio to watch the full episode!

06/23/2024

When the loan officer asks 57 questions before pre-approval:

You think it's a full-on investigation, but they're just making sure you get the best rate. 💼🔍

06/21/2024

Unity Beyond Belief: A Journey Through AA

My experience with AA in 2003 showed me the profound impact of unity in diversity.

Like survivors of a shipwreck, we came together regardless of our beliefs—Buddhists, Hindus, agnostics, atheists, Christians—all with a common goal of helping each other.

These camping trips and conversations revealed that we have more similarities than differences. This connection and acceptance are crucial for personal growth and understanding, showing that we can all learn from each other.

Click the link in bio to watch the full episode!

06/19/2024

The Journey of Mortgage Lenders Changing Lives

Explore the evolution of expertise in the mortgage industry!
Join us for an in-depth discussion on overcoming challenges and embracing community strength.

In 2003, a comparison was drawn to survivors on an island, highlighting our journey through fears and uncertainty with courage and resilience. Let's challenge misconceptions and celebrate the beauty of learning from each other's strengths.

Listen to our podcast for the complete story! Link in bio.

06/18/2024

SORRY, You don't qualify sir….

Caption!

The mortgage space has changed and made financing more possible for the underserved and underbanked folks in our country.

Take it from me, everyone that works and pays taxes does not all fit into the box when it comes to getting a home loan. Many folks write off legal deductions, have cash businesses, or buy and sell companies. These responsible would be home owners who are often treated like they are second class from mortgage loan officers.

The non-traditional lending space has changed the game for some mortgage lenders who can make common sense lending decisions based on things like credit, assets and the property. We have closed dozens of loans using everything from the property for collateral, bank statements, asset statements, or even no income docs whatsoever.

Don't lose the house you want because a bank tells you it can't be done.

DM me for more creative finance and wealth creation ideas.

06/17/2024

Simple Steps to Financial Freedom

Transform your financial future without earning more!

Cut unnecessary expenses and renegotiate bills to save $10,000. Invest $300 a month wisely by leveraging dollar cost averaging and solid investments like the S&P 500.

While this strategy won’t make you rich overnight, it will change how you spend and think about money, paving the way to long-term wealth.

06/15/2024

Creative Financing allows you to expand your portfolio

Real estate is a long game.

It’s not just about scoring that big discounted property, it's about amassing quality assets with great terms.
In 20 years, your kids won't care what you paid; they'll see the genius in your portfolio.Think beyond price and create win-win deals through owner financing. Creative strategies today build tomorrow's legacy.

06/12/2024

Ask this question before taking money advice

Be aware of online 'wealth gurus' who flaunt rented luxury cars and sell you on the dream of easy riches.

Many of these influencers spend more on appearances than they actually earn. Before you invest in their courses or attend their events, make sure you invest your time in research before investing your money.

Genuine success is backed by transparency and real proof, not just flashy images. Protect your hard-earned money and make informed, wise investment decisions.

06/11/2024

Real Estate Wealth-Building Secrets: Untold Tips

Diversifying your real estate investment strategies can truly accelerate your growth! Whether it’s conventional cash deals or creative financing options like Sub2 and raising private capital, you can build wealth even with limited cash, poor credit, or little experience. Begin your journey to financial freedom today!

Click the link in bio to watch the full episode!



06/10/2024

Zero-Cash, Zero-Credit Blueprint to Real Estate Riches

Did you know that it's possible to become a real estate investor without any upfront cash, credit, or loans? Investors use strategies like wholesaling, where properties are bought and sold quickly without using their own money. Lease options provide a way to control properties with minimal investment, often leading to ownership without a large down payment.

Join Michael and me in this Money Whole episode to discuss more about the same!

Pooling resources and networking in real estate reduce financial barriers. With adept negotiation and market insights, investors turn dreams into reality. Ready to join the journey to wealth?

Click the link in bio to watch the full episode!

06/09/2024

Will affordability ever come back?

In today’s market, buying a home might still be a better move than renting, despite what the rates and prices suggest. The real issue often lies in income, not costs.

Did you know that over 60% of renters are paying more than 30% of their income on housing?

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Redding, CA
96002

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