This is the second home my wife and I purchased. Our first was in 1999, in Hawaii, and the home purchasing process was a lot simpler then. With the new rules "Patriot Act", etc., there is a lot more documentation that is required when securing a loan for a home, and because of that, one needs a KNOWLEDGABLE and COMPETENT mortgage advisor. I highly recommend Chris Lamm and his team at Commerce Home Mortgage. They made the whole process seemingly "seamless" for us. From the get go, from the first meeting to go over the mortgage process, (interest rates, etc.), to walking us through what's needed for final closing, Chris and his team addressed all of our questions and any concerns. They are very professional in their approach, and were always on top of things. The whole process, from our first finding the home, securing a realtor, then the mortgage process, took only about a month and a half. We are official home owners as of today! So, if ANYONE is looking for a competent, professional, and CARING mortgage professional(s), look no further than "Commerce Home Mortgage." I also want to thank the front office staff person for her friendliness, and Gretchen and Destiny, for your excellent work and for walking us through everything. Thanks much! Ben Gorospe read more

Chris Lamm and his team are phenomenal. In an industry riddled with stressful situations and sketchy deals, this team really shines as one of the best. My wife and I were first time home buyers. There are so many hoops to jump through, and so many people to deal with. Chris was friendly, punctual, and very helpful. Buying a home is not a simple transaction, but the team at Commerce really break down exactly what needs to be done. This is a customer service driven business, and it shows. The Commerce team go above and beyond expectations in an attempt to be the best in Redding. Writing a review can be so cliche and wrote. Much of what I have said has already been said. I think Chris takes his business seriously and works hard to make sure everyone is beyond satisfied when they are through with his service. Even if you aren't considering buying a house, I would recommend setting up a meeting with Chris. If you are, all the more reason to give him a shot. I doubt I'll use another mortgage broker for as long as I remain in Redding. Thank you Chris and Team. You are all fantastic at what you do. read more

Buying a home is never easy...but Chris and his team made the process painless. When my husband and I met Chris at our 1st face to face meeting, he explained that he and his staff make communication a priority. They did not disappoint. We were contacted after every change in status throughout escrow. We were able to DocuSign our paperwork (something new and tremendously convenient since the 1st time we bought a home 3 years ago). The girls in the office are so friendly, patient and helpful. My 2 year old quickly became friends with them. Chris went above and beyond and genuinely cared about our situation. He even found an issue with my husbands credit that we were unaware of (which apparently the lender we used to buy our 1st home missed) that we were able to fix and get a lower mortgage payment! Thanks to Chris Lamm and his dedicated, hard working staff, my husband and I were able to close escrow 3 weeks early. Thank you for getting our family into our new home! If you are looking for a lender to trust, I highly recommend Chris Lamm at Commerce Mortgage! Amazing team. read more

Greetings - To all that may be concerned, deciding to use Chris Lamm and his team at Commerce Home Mortgage would be an excellent choice on your part... They helped my wife and I purchase our beautiful new home in Redding, CA, and we couldn't have been more pleased with the outcome. Chris's whole team is both friendly and professional. The first time I called Chris was during half time of the Super Bowl, and believe it or not, he ANSWERED his phone!... And for the next several weeks, anytime I called, his staff were completely there for us, knew us by name, and took the time to answer our questions. Destiny was our loan coordinator, and we just knew, she was fighting for us every step of the way and doing everything possible to help us close on time. Which we did, and I believe her effort was a major reason we were able to. I will recommend Chris Lamm and his team at Commerce Home Mortgage, to anyone looking to buy or refinance their home. Five star reviews are hard to come by in my book. But they truly earned theirs. Thank you all very much! read more

Switching from an online lender to a local one like Chris Lamm was the best thing I could have done to secure my loan for my first house in Shasta Lake, CA. I thought all my ends had been exhausted but my agent Jayne Vogel (fantastic agent local to Redding, CA) got me in contact with him and their team was all very helpful, quick, efficient, and did a great job of making sure it was worked around my schedule. Chris Lamm and Greg Bambino did the best I could ask for when solving all the problems that arose in my personal loan journey but in the end it was all worth it. Securing the loan ended up being a lot easier than I thought it would be, it just takes time and patience and you too can get the house or land that you always wanted with Chris Lamm and his fantastic team. At the end of the day, I highly recommend Chris Lamm at Change Home Mortgage. Just see it out to the end of the process and I think you potential homeowners will be thankful you took a chance with Chris Lamm. read more

Chris and his team, re-shaped a frustrating experience into a successful and rewarding result. They willingly and graciously accepted me and my loan-in-process mid way with another lender. From the moment we made contact, the Team was welcoming, diligent and anytime I had a question, they had a clearly articulated response. I was given all the information I needed and amazingly (due to my mid-point change in lenders), the home closed on time! To me the most important factors in any process are communication and trust; Chris and his team exemplify these characteristics. If you or anyone you know are considering a mortgage situation, I highly recommend meeting with the Commerce Home Mortgage team first. They should get the gold medal or at least a rating of "exceeds excellence". Thank you Commerce Mortgage Team! read more

Living in Las Vegas and buying a home in Redding, CA already posed many challenges to my wife and I one. The biggest challenge became the easiest, the mortgage. The first step is paperwork. Unfortunately there is no easy way to get around pay stubs and tax returns. After that, Chris and his Redding team took complete control. With a largely electronic process, this made the distance much easier. If there was ever a question, Commerce was a phone call away. Actually, it was them making the phone call to us. I know it takes a team but if I may single out Liz R (not sure if I can give full name). Although she is not from the Redding office she became our point person and just ran with it. Absolutely fantastic!! If you are buying a house in the Redding area, this office is the one to call!! read more

HIGHLY recommend working with Chris Lamm's office. I am a first time home buyer and had NO idea where to start. I worked with Cassie and she was AMAZING. She walked me through every single part of the process and answered hundreds of phone calls and questions (LOL we were new to this and super nervous). It was a long process for us, but she was patient, genuine, and thorough every step of the way. When Cassie was busy, I was comfortable reaching out to Chris directly or anyone else in the office and I always received a prompt response. I felt extremely confident that Cassie and the entire team wanted to make this work for us! I could not be happier with how everything turned out. Thank you Change Mortgage for teaching us the process and helping us achieve our goal!!!!!!!! read more

At the beginning of the busy holiday season I was given an opportunity to relocate to Redding, CA for work. Starting a new job, moving to a new city (10 hours away) and buying my first home could have made for a very stressful journey. However, Chris and his team made every step of the process seamless. I was able to complete the entire home buying process remotely and close in less than 30 days. Between video chats, prompt responses to emails and multiple check-ins from Chris directly, I felt supported every step of the way. Chris and his team are patient, kind, helpful and efficient. My family was able to avoid hotel living during our transition and in our home just in time for Thanksgiving! I am grateful for the experience and proudly recommend Commerce Home Mortgage! read more

Chris and the entire team at Commerce were very helpful during the home loan process. They took the time to meet with me at the beginning of the process to clearly explain what to expect, what documentation would be needed, and what possible challenges may arise. Through out the approval process I was kept up to date on the status. Any question I may have had was answered before I ever had a chance to ask . Jenny S. is a superstar!! She assisted with gather required documentation. Anytime a challenge came up she was willing to look at alternative sources of data to provide the information needed in a satisfactory manner. They did everything they said they would do and more!! I would recommend Chris and his team to anyone looking for a home loan. read more

If you are looking for an awesome team who will work hard to get you the best loan for your situation and get it quickly Chris and his team are awesome. We were almost done with our loan when the Carr fire hit and they worked over time to make sure our loan closed as soon as possible when the government put a hold on all loans. Chris is so quick and successful because he has an AMAZING team. We worked primarily with Amanda and Jackie and they were the best. They were always quick to respond with any questions or concerns and worked so hard for us. We met with other loan agents before landing with Chris and they all seemed like they wanted a sale but Chris' team was different. They really care about their clients. Love these guys! read more

So grateful for Chris Lamm and his team. Several months ago they expediently help with us refinance our current home so we would be able to purchase another property later in the year. It went swiftly and without issue which says much when you own your business. Recently, we found our 2nd home 9 hours away! Purchasing a home from out of town can be quite challenging, yet once again, Chris Lamm and his fabulous Mortgage Analyst, Cassie Evers, worked efficiently and diligently to walk us through the highly detailed process. Her ability to explain in layman's terms and keep us on time was so helpful. No question we will return to this professional and caring team for any of our future real estate financial needs!! read more

For someone like myself being a first time homebuyer, Chris Lamm and his team at Commerce Home Morgtage made this process a breeze for my fiancee and myself. I had no idea what i was doing, didnt have all the required information on hand, had little time and limited sources for faxing and emailing info and his assistants went above and beyond with helping me locate all necessary documents to complete the loan process. All in all, i highly recommend Commerce Home Morgtage for any of your lender needs. Thank you guys for helping me make my dream a reality with little stress and your continued support in this huge milestone in my life, you guys are the best. I have the up most respect for you and your team read more

My wife and I used Commerce Home Mortgage to buy our home in 2018 and couldn't have been happier with Chris Lamm and the entire team. They make the complex and stressful process of purchasing a home an organized and approachable affair. Jackie Granados was particularly helpful in guiding us through, and whether by phone or e-mail, I was always able to contact her with any concerns or questions. A year later when interest rates dropped, I contacted them about refinancing, and I was quickly able to speak with Chris, who lent his time and attention toward helping me choose a loan to achieve my financial goals. We refinanced, and it was easy. I want to thank everyone at Commerce Home Mortgage! read more

Chris and his team at Commerce Home Mortgage in Redding continue to lead the pack and set the standard for lenders in Northern California. We just closed our second loan with their team and we were met with exceeded expectations every step of the way. Chris is extremely knowledgeable and, more than that, asked us great questions in order to understand our situation and share his insight to help us on our journey purchasing our first rental property. We're repeat clients and we have no plans to change that! Shout out to Jackie who was so kind, patient, and encouraging as we were getting all the final paperwork in order! Thank you to the whole team!! You guys are rock stars!! read more

We are first time home buyers and my loan wasn't the easiest because I had a particular payment and no down payment in mind. But you took on the challenge and you and your team worked hard and made it happen and the payment was even better than I expected. You kept your word and I find that a valuable attribute. You made our dream come true of owning a home and closed early before my birthday!!! Our kids now have their own room and a backyard to play in. Chris, Jenny, and team you rock!! Whenever I messaged Chris or Jenny they got back to me right away, so if that is the kind of service you need then go with this team! Thank you for changing our lives for the better! read more

Chris Lamm and his team here at Commerce Home Mortgage are absolutely wonderful! The commitment to their clients and the loans they originate is huge. The quality of customer service is unmatched here and if Chris can't personally help you, his team will be there with the answer! I can't wait to work with them again! I have closed a few transactions with Chris and his team, some have gone smoothly and some have been challenging but each one has closed on time or sooner and the quality of service was above many others I have worked with! If you need a loan, call Chris and his team. They have your back and will work through the toughest issues. Thanks Chris! read more

I absolutely love working with Chris and his team. They helped me close on my home 3 years ago. My husband and I wanted to refinance with a VA loan and after many attempts of working with multiple other lenders that promised us great interest rates and so forth, we still weren't getting anywhere. We reached out to Chris and him and Jackie helped us close our refinance quickly. Jackie was amazing, she kept us updated constantly and was ALWAYS there to answer any and all questions we had. She really made the process smooth and easy. I will always recommend Chris Lamm Change home mortgage over trying to "shop" around. There just great people overall! read more

Chis Lamm at Change Home mortgage and his team are simply the best! They helped me and my family purchased our first home. We had a couple of disappointments trying to find the right home but through it all Chris and team where there for us. They were always available for any questions I had and believe me, I had many!!! We bought our amazing home right before the holidays and I got to thank Chris and Cassie for working to hard to make it happen. I really do appreciate all your hard work. We are very happy in our new home and we couldn't have done it with out you! I fully recommend Chis Lamm at Change Home Mortgage! read more