There is no single required score. Many buyers qualify with scores in the low 600s. We look at the full picture—income, debt, and assets—not just a number. Even if your credit isn’t perfect, we can explore specialized programs or help you create a clear plan to improve your score for future homeownership.

No, a 20% down payment is not required. Many buyers purchase a home with as little as 3% to 5% down, and some programs offer zero-down options. We evaluate your unique budget, closing costs, and long-term goals to find a strategy that balances affordability and overall value.

Yes! We offer a variety of assistance programs designed to help offset down payments and closing costs. These resources are available for both first-time homebuyers and repeat buyers to make homeownership more accessible.

Getting pre-approved is quick and easy. We typically need basic information about your income, employment, assets, and credit. This includes recent pay stubs, W-2s or tax returns, and bank statements. Once reviewed, we issue a Pre-Approval Letter so you can house-hunt with confidence.

A mortgage broker works for you, not a single institution. While banks only offer their own limited products, we have access to multiple lenders and programs. This flexibility allows us to secure better rates, provide personalized guidance, and make the process smoother, especially for unique situations like self-employment.

Refinancing makes sense when it helps you reach financial goals, such as lowering your monthly payment, securing a better rate, or shortening your loan term. A cash-out refinance is a smart move if you want to use your home’s equity for renovations, debt consolidation, or other major expenses.

We have extensive experience evaluating a wide range of income types, including hourly or salaried wages, self-employment income, rental income, and, in certain cases, income derived from qualifying assets.

EZ Mortgage is licensed to assist clients with home purchases in multiple states, including Illinois, Florida, Iowa, Virginia, North Carolina, South Carolina, and Georgia. We easily navigate state-specific guidelines to provide seamless service across state lines.

Buying a home doesn’t have to be difficult. We specialize in providing a streamlined, efficient experience with fast funding options—often closing in less than 30 days. We deliver five-star service to make your transaction smooth and straightforward.

We offer a wide variety of loan options tailored to your needs, including conventional home purchase loans, refinancing, Adjustable Rate Mortgages (ARMs), Reverse Mortgages for seniors, HARP loans, and zero-down USDA loans.