Mortgage Services & Programs
Covering The Spectrum Of Mortgage Services & Programs
Purchase Mortgages
Home purchase financing may be the most important mortgage service. Whether you’re looking to buy your first home, tenth home, single family rental, apartment complex or retail center there are a few things you’ll discuss with your mortgage broker:
- What can you afford with monthly expense?
- What can you qualify for – which may or may not be the same as what you want to afford?
- What price range can you target to buy?
- What loan options are available to you?
- Are you eligible for any special types of financing (government programs, whether FHA, VA or USDA for residential purchases, or special development programs with commercial financing)?
Our Mortgage Experts will work with you to answer all those questions, outline your specific options and the math behind them, and arm you with a written pre-approval for any offers you’ll want to make.
Ready to get started? Click here to start your purchase mortgage preapproval now!
Refinance Mortgages
Refinance mortgages are generally driven by a few things:
- Can I cost-effectively save money on my monthly housing expense to free up cash flow?
- Can I cost-effectively reposition some non-housing debt, using the equity in my home?
- Can I cost-effectively shorten the loan term to save money by accelerated debt reduction?
- Can I cost-effectively tap the equity in my property to use for another purpose (whether funding a child’s education, investing in other areas, remodeling the home you have, etc.)?
Your Mortgage Expert will do a full loan review with you, so you’re clear on what solutions best meet your goals. You’ll be armed with all the information and math behind your options, so you can make educated and informed decisions about what best meets your specific needs.
Ready to get started? Click here to start your mortgage preapproval now!
Reverse Mortgages
Reverse mortgages aren’t for everyone, but they do have their application. They are a unique mortgage service where you don’t make monthly payments, but your loan balance grows over time. They are only eligible for primary residences. In short, they work like the old negative amortization loans, where you’re borrowing against your equity and the balance owed will grow over time, until you pass, at which time the loan is due.
If you’re sixty two or older, have a lot of equity in your property, and could benefit from no monthly mortgage payments, getting monthly cash flow from the equity in your home, or a lump sum payment from the equity in your home, this may be an option worth considering. At EZ Mortgages we’ll work with you to outline your options, and the math behind them so you’re armed with the information you need to make an educated and informed decision about what best suits your needs.
This material is not from HUD or FHA and has not been approved by HUD or a government agency.
Ready to get started? Click here to start your reverse mortgage preapproval now!
Commercial Mortgages
We also offer commercial mortgage services. Commercial properties are a different animal, and you need to work with someone who understands how to finance them.
You might qualify for SBA financing, if you’re going to occupy at least 51% of the space.
If you’re buying a performing asset, the focus is on the asset and it’s historic performance. If you’re buying a non-performing asset, it gets much more complicated, but you may still have attractive options.
We are well-positioned to facilitate your purchase or refinance with the full spectrum of commercial real estate including apartments, hotels/motels, office buildings, retail/shopping centers, restaurants, gas stations, manufactured/mobile home communities and self-storage facilities.
Ready to get started? Click here to start your commercial mortgage preapproval now!
Niche Mortgages
Do you need non-traditional mortgage services? We offer DSCR (Debt Service Coverage Ratio) loans. Bank statement loans. Mortgages for off-grid and unique properties – we even helped finance a home with a giant redwood growing through it! We can finance your working ranch, farm or vineyard, too. There’s rarely a loan we cannot place. You may not like your rate and fee choices, but at least you’ll have choices.
Ready to get started? Click here to start your non-traditional mortgage (also known as non-qm mortgage) preapproval now!
Mortgage Programs
EZ Mortgages offers every mortgage service and loan program available including:
- Fixed Rate Mortgages
- Adjustable Rate Mortgages
- VA Loans for Veterans
- FHA Mortgages
- USDA (US Department of Agriculture) Rural Development Program Mortgages
- Jumbo Mortgages
- Reverse Mortgages
- Commercial Mortgages (retail, multi-family, restaurant, industrial, self storage, among others)
- Manufactured Home Mortgages (when permanently affixed to a foundation)
- Investment and Vacation Properties
- ITIN and Foreign National Mortgages