Chang Home Loans

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Chang Home Loans We are Team DPA at Western Capital Mortgage. Our team is experienced with FHA, VA, Conventional,USDA, and down payment assistance residential mortgage loans.

🏡 Chang Home Loans 🏡 | Conventional • FHA • VA • USDA • Non-QM • DPA Programs | Personalized mortgage solutions and trusted guidance from pre-approval to closing. | Jorge Chang NMLS #1489690 Our team is comprised of consummate professionals with combined 60+ years of loan origination and loan processing experience. We work closely with first-time buyers to educate them about the lending process. We pride ourselves on our team integrity and genuine customer service as the foundation for every relationship with both clients and real estate professionals. Our team helps prepare clients for their mortgage loan pre-approval with a fast and honest response time. We create original, turn-key solid marketing campaigns for real estate agents, and we work with those agents to help them build their presence in the community and meet their professional goals by utilizing our customized marketing campaign tailored to fit their specific business goals and increase their sales. Our team is fortunate to have hundreds of loyal referring clients because we listen to client’s needs and we have a firm understanding of product guidelines. Team DPA at Western Capital Mortgage is an Equal Housing Lender. Jorge Chang NMLS #1489690

860 Kuhn Drive Suite 106, Chula Vista CA 91914 | (619) 500-2167 | NMLS ID #1916128. Western Capital Mortgage is licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. 860 Kuhn Drive Suite 106, Chula Vista CA 91914 (619) 942-5510 NMLS ID 1916128 (www.westerncapitalmortgage.com). Copyright © 2022. All Rights Reserved. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms, and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. This ad is not from HUD, VA or FHA and was not reviewed or approved by any government agencies.

🏡 Preparing to buy a home? Your credit habits can play an important role in your financing options.Before applying:✅ Avo...
10/06/2026

🏡 Preparing to buy a home? Your credit habits can play an important role in your financing options.

Before applying:

✅ Avoid opening unnecessary new accounts
✅ Keep credit-card balances low
✅ Make every payment on time

Small, consistent steps can help strengthen your overall homebuying plan.

📩 Message me for a personalized home loan review.

Jorge Chang | NMLS 1489690

✅ Ready to get preapproved?Having your documents prepared can make the process easier. You may be asked to provide:📄 Rec...
10/03/2026

✅ Ready to get preapproved?

Having your documents prepared can make the process easier. You may be asked to provide:

📄 Recent pay stubs
📄 W-2s or tax returns
🏦 Recent bank statements
🪪 Government-issued identification

Additional documentation may be required depending on your income, employment, and loan program.

📩 Message me to begin your personalized home loan review.

Jorge Chang | NMLS 1489690

💰 Seller credits may help reduce some of your upfront homebuying expenses.Depending on the loan program and transaction,...
10/02/2026

💰 Seller credits may help reduce some of your upfront homebuying expenses.

Depending on the loan program and transaction, seller credits may be used toward eligible closing costs, an interest-rate buydown, and prepaid expenses such as property taxes and homeowners insurance.

Limits and guidelines apply, so it’s important to structure the offer correctly.

📩 Message me to learn how seller credits may work for your home purchase.

Jorge Chang | NMLS 1489690

🏡 Before you begin house hunting, take these three important steps:1️⃣ Review your credit2️⃣ Set a comfortable monthly b...
09/29/2026

🏡 Before you begin house hunting, take these three important steps:

1️⃣ Review your credit
2️⃣ Set a comfortable monthly budget
3️⃣ Get preapproved

A preapproval can help you understand your purchasing power and search for homes within a realistic price range.

📩 Message me for a personalized home loan review.

Jorge Chang | NMLS 1489690

🏡 FHA or Conventional—which loan may be right for you?An FHA loan may offer more flexible credit guidelines and a down p...
09/22/2026

🏡 FHA or Conventional—which loan may be right for you?

An FHA loan may offer more flexible credit guidelines and a down payment as low as 3.5%. A conventional loan may allow a down payment as low as 3% for qualified buyers and offers different mortgage insurance options.

The right choice depends on your credit, available funds, and homebuying goals. Let’s review your options together.

📩 Message me for a personalized loan review.

Jorge Chang | NMLS #1489690

09/21/2026
Wooooo congrats Team DPA!!
06/12/2024

Wooooo congrats Team DPA!!

05/09/2024

Property qualifies for Chula Vista Down Payment Assistance Program.

Send a message to learn more

Happy Easter Sunday! 🐰🌷 Wishing you and your loved ones a day filled with joy, blessings, and sweet moments. May your da...
03/31/2024

Happy Easter Sunday! 🐰🌷 Wishing you and your loved ones a day filled with joy, blessings, and sweet moments. May your day be as bright and colorful as Easter eggs! 🐣✨

Address

2088 Otay Lakes Road Ste 201
Chula Vista, CA
91915

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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