Why Choose A USDA Mortgage?

Cathy Asbury, Auburn, CA

“Eric Grathwol, if you hit ‘bumps’ other loan officers would have hit ‘boulders’… you are amazing at your job… thank you so much.”

Patrick Frost

Working with Eric from EZ Mortgages was an absolute pleasure during our recent home purchase. From start to finish, the process was exceptionally smooth and efficient. Eric’s expertise and dedication made navigating the complexities of securing a mortgage seem effortless. Not only did he provide us with competitive rates, but he also offered invaluable guidance every step of the way, ensuring we made informed decisions. The communication was always prompt and clear, leaving us feeling supported and confident throughout the entire process.

EZ Mortgages exceeded our expectations, and we wouldn’t hesitate to recommend them to anyone seeking a seamless and stress-free home financing experience. Thank you, Eric, and the EZ Mortgages team, for helping us achieve our homeownership dreams!

Dixie Diaz, Sacramento, CA

“Sorry for the delay in sending this – we just installed our mailbox at the new house, and just a day or two ago saw your card!  That was really very thoughtful of you, thanks so much! it will definitely come in handy.  And I wanted to thank you as well for an extremely smooth homebuying process, for keeping me and all parties in the loop and informed every step of the way, for being so responsive to questions and requests, and for just being a pleasure to work with. all was very much appreciated. Lillian @ Stewart  Title had nothing but accolades for you, apparently in her experience the process is rarely as smooth as ours was. Anyway thanks again, I feel fortunate that I happened to be talking to Omid at the start of the process and he referred me to you! I will definitely do the same if I know of anyone looking for a home. Many thanks again!”

darrell peer

I’ve used Eric for my mortgages for the past 12 or so years, 2 purchases and 2 refi’s I believe. Most mortgage brokers send you a card once your loan closes and you never hear from them again. I truly consider Eric a valuable asset in helping me meet my financial goals. Over the years I’ve run probably 50 ideas by him, either wanting to refi, some wild ideas about buying other properties, or consolidating debt, etc. I send him an email and he checks into what I want to do then responds with good, honest advice. He’s advised me not to do what I had considered many more times than to go forward, even though he probably could have bought a new car off the commissions had I gone through with every idea I had. I don’t think he’d let me get into a loan I couldn’t really afford.
A side benefit of being his client is that he sends out email updates about the market, rates and sometimes just general financial musings. I look forward to them as much as any paid advisory newsletter that I get.
Any mortgage broker can get you a loan but if you want someone who has your best interests in mind, knows exactly what he’s doing, will be the last mortgage broker you ever need and will entertain your crazy schemes then painlessly bring you back down to earth, nobody else can do it better.

renealab

Eric is the fifth mortgage lender my husband and I have used over the years, but he will certainly be the ONLY one we use in the future! We have never had anyone so quick to respond, so organized and absolutely no-nonsense. What he says he can do–he does. He was also the fastest broker we have ever used. He cut through the red tape and just got it done for us. We would not hesitate to recommend him to any of our friends and family. My Mom is already using him on a property! A+

Gustav Muehlenhaupt

Eric is fantastic very helpful in a complicated process.

Brandon Johnson

I recently had the pleasure of working with Matt Wilkerson and team from Ezmortgage for my home loan, and I couldn’t be more satisfied with the experience. I was in a rush to secure a mortgage, and they went above and beyond to ensure everything was done on time.

From the moment I contacted them, their team was incredibly friendly and accommodating. They took the time to understand my specific needs and financial situation, making me feel valued as a customer. This personalized approach was a refreshing change from the often impersonal interactions I’ve had with other financial institutions.

What truly stood out was their efficiency. Despite my tight timeline, they worked diligently to expedite the entire process while maintaining a high level of accuracy and professionalism. They kept me informed at every step, ensuring I was well-informed and confident throughout the process.

I was pleasantly surprised at how painless the entire mortgage application and approval process was with them. They took care of all the paperwork and negotiations, making it a stress-free experience for me.

Thanks to their exceptional service, I was able to secure my mortgage on time, allowing me to move into my new home without any delays. I can’t express enough how grateful I am to them for their outstanding work.

I highly recommend Ezmortgage to anyone in need of mortgage services. Their friendly, efficient, and customer-focused approach sets them apart from the rest. I couldn’t have asked for a better experience during this important milestone in my life.

Thank you, for making my home-buying journey a smooth and enjoyable one!

Elisse and Andrew Tweet

“Wow! What an awesome job, thank you so much.”

Kimberly Dich, Elk Grove, CA

“Wow.. that is fast, I am very happy with the loan.  You did a very great job and kept us posted with all information.  Thank you for all your help! BoA took me 3 months to close a loan with them.  This was so much faster and smoother.”

Brie Hall

Where do I even begin with all of the glowing remarks I have for not only EZ mortgages (true to their name) but specifically Eric! We were NOT easy clients. We made an offer with a 14 day close and hopped over to Eric from another lender that was severely overcharging us in garbage fees with just 10 days left. We were also jumping through all of the hoops with the California Fair Plan and Eric was absolutely phenomenal.

You always hope that people you are working with in your big life moments will act with the same care, passion, and intentionality that you are putting in but rarely do you actually get that because this is something THEY do every day – just a new experience for you! But not Eric, he called us well after normal business hours were done, was immediately responsive ALWAYS, and was first class in his knowledge of the industry and a great person to patiently guide us through this process.

Eric will GET IT DONE and will be our only recommendation to friends, family, strangers, etc. going forward. This guy deserves your business – he earns it!

Thank you Eric!
Brie Hall

Home purchase March 2024

Helen Danhakl, Realtor, Oakland, CA

” Eric – Received your most thoughtful gift today. All I ever expect of a professional is good service, and you certainly gave my daughter and the Bretts that.  So an additional gift was certainly a surprise.  And to my favorite restaurant at that!  It will be put to excellent use.  That was so nice of you.  Be assured that when I order cocktails they will be used to remember you with a toast.  Thank you again, so very much.  For everything.”

Sandeep Agarwala, Cupertino, CA

“I would like to thank you for helping me refinance my loan. It was a pleasure working with you. You were very patient, responsive and efficient all throughout the process. I would be happy to recommend you to my friends and relatives.”

Sarah Cheney

Eric with EZ mortgage is great to work with on loans. I can count on him for detailed and articulate information and options, he follows through and there’s zero bs and mistakes; he definitely delivers.

Chris Proctor, South Lake Tahoe, CA

“Hey Eric, Thanks again for you work on our refi.  It was the smoothest one we have ever done. “

Kimberly Murphy

Eric is absolutely wonderful. He has an expert eye for detail, constantly educates himself on the market, and consistently updates and stays in contact with his clients. My husband and I confidently recommend Eric and look forward to our continued working relationship for all of our mortgage needs.

Tina Hewitt, DE Underwriter, Sierra Pacific Mortgage

“Your files always Rock!    Thank you for your business, we know you have a choice.”

Simon Au, Concord, CA

“Glad we stuck with you.  I am not sure about how these other agents keep track of things.  She was the one who told us the seller’s conditions to remove bank appraisal contingency.  We agreed to it and now she has to check her docs?  Either she is handling too many clients or is disorganized.  You on the other hand made us feel we are your only clients.  You are always there and know exactly what to do.  Just my 2cents.”

David Gustafson

Eric is an excellent resource for providing a mortgage. More importantly his ability to come up great ideas to align with your requirements is a key skill. If you are looking for an excellent way for financing a purchase or a refinance make sure to talk with Eric!

Alfonso Herrera, Sacramento, CA

“I just wanted to thank you for the excellent service, you provided me with, it was a very good experience, everything went on as you said with no surprises, hidden fees or anything like that.  It is very refreshing to know that there are still people you can trust, and I would not hesitate to recommend your services.”

Matouš Horák

I just finished refinancing my house with Eric and I have nothing but good things to say. The whole process was very transparent and fluent.
I chose EZ mortgages as my second option after I wasn’t happy with terms and rate I got offered and I am glad I did. I saved a lot of money on loan processing and got a better interest rate.

Walter Biel, San Jose, CA

“You have been a tremendous help and as before use me as a reference any time.”

Helen Danhakl, Realtor, Oakland, CA

“I’ve been a real estate Broker for 35 years, worked with more mortgage brokers for clients than I can count, and only deal with those known to be honest and absolutely reliable. There’s nothing worse than a promised preapproval or promised closing date that doesn’t come through on time. But even among that select group, Eric stands out for his knowledge of economics. He really knows the math, is astute re the real & not so obvious costs of a loan, and that translates to savings for the client. He’s transparent, and absolutely reliable.”

Cathy Asbury, Auburn, CA

“Eric as always fast, efficient and full service.”

Victor Vides

“Eric, Excellent job, very quick and you always kept us informed.   More clients are coming your way from me.”

Ovi and Maria Moldovan

“Thank you guys all so much for making this happen for us. I felt like we had absolutely the best team on our side. You are all truly amazing and we are oh so very appreciative. Again thank u and we will definitely keep in touch.”

Jeff Kaptain, Kaptain & Kaptain Real Estate, Los Angeles, CA

“Thanks again for all your help, hard work, and, in general, just kicking ass and taking names on this file.  Mom and Dad Poimiroo know what they’re talking about when it comes to lenders 🙂 Have a great weekend! Best, Jeff”

Michael Scannell

Eric turned around a $180,000 refinance for me in 17 days and he was trying to save me money from the start. Eric has mastered and applied technology to what was once considered a cumbersome process that took forever and a day and turned it into a quick, user-friendly experience. Extremely well educated, Eric was able to work around any and all dilemmas raised by the lender. Erik is just a very friendly person with excellent communication skills. I would recommend him to anyone looking for a Mortgage.

David Granzella, NorCalREIA

“Your in-depth and professional work is amazing.  I have these wonderful thoughts that tomorrow may just surprise us, keeping our team together on this one.  SERIOUSLY…”

Sudhir Kaushik and Ramya Somaskandan

“We recently went through a refi and were immensely pleased with Eric Grathwol. He is very thorough, very patient and extremely detailed in what he does. He will answer 100 emails if you want and present an objective assessment.  I know a lot of you are also considering a refi and strongly recommend him – you can let him know that I referred you.”

Cathy Asbury, Auburn, CA

“You are absolutely amazing – to close a loan in under 26 CALENDAR days, that includes a 3 day weekend??  and fight for the client on the turn times?  Thank you, Eric,”

Adeeb Alzanoon, Antelope, CA

“Thank you Eric, I really appreciate your service, knowledge and professionalism. My brother is very happy dealing with you and both of us are actively referring you to potential borrowers.”

Elizabeth J. Stoops, Senior Escrow Officer/AVP, Fidelity National Title, Brentwood, CA

“I loved working with Eric!  He was great!!!”

Michael Jaquet

We just re-financed our rental property in Park City and not only got a great interest rate but the attention to detail we got from Eric at EZ Mortgages was second to none. He was quick and efficient on what documents he needed and even pitched in to help us track down information we needed. He kept us up to date throughout the process on everything and was transparent about EVERY financial detail in the deal. This was Eric’s first loan in Utah and he knocked it out of the park. I would highly recommend him and his company to anybody in Utah and will certainly use him again for any needs I have in the future. MJ

Jennifer Hamilton

Eric was very responsive and knows his business! Great experience!

Sara Flanagan

Eric with EZ Mortgages is extremely professional and efficient. He helped our family through a quick close and delivered on time. He’s approachable, available and thorough. I can’t imagine going through a property closing without him.

Leila Barnec, Lincoln, CA

“You are the kind of person the business world needs more of, and  I will think of you always and recommend you to my friends and family. Love the job you did for me, you were awesome. Will think of you while I’m shopping…haha  Thanks again”

Anthony and Elaine Chiu, Hillsborough, CA

“You are very welcome for our referral.  We want our friends to have the best mortgage service.”