EZ Fundings has been in business for almost 7 years, with over five decades of combined experience in home mortgages. Years upon years in the industry have seen relationships with industry leaders grow, allowing EZ Fundings to specialize in all types of loans, including those that may seem impossible to some. Customer service is of utmost importance, and ensuring complete customer satisfaction through consistent communication and hard work is the number one priority for the loan officers at EZ Fundings. All the loan officers are licensed and constantly up to date with changing rates and guidelines in order to minimize the unknown and simplify the loan process for clients and realtors. The team works fast with efficiency, integrity, always coming through on promises. We make it EZ on you.
Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!