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Income Documentation - ProgramRate*APR*TypeBest Match
Full - Conventional 5.625 5.94 30 year fix can qualify using w2's or tax returns
Full - Jumbo 5.75 5.94 30 year fix can qualify using w2's or tax returns
Full - FHA 5.125 5.427 30 year fix can qualify using w2's or tax returns
Full - VA 5.125 5.427 30 year fix can qualify using w2's or tax returns
Full - USDA 5.125 5.427 30 year fix can qualify using w2's or tax returns
Bank Statements 7.875 8.23 30 year fix self-employed qualify with income deposits
Bank Statements -2nd Mortgage 10.75 11.2 30 year fix self-employed qualify with income deposits
No Income Documentation 8.25 8.55 30 year fix cannot document income
Debt-Service-Coverage-Ratio (DSCR) 1-4 Units 8.375 8.67 30 year fix cannot qualify using tax returns or bank statements
Debt-Service-Coverage-Ratio (DSCR) 5-24 Units 8.5 8.8 30 year fix cannot qualify using tax returns or bank statements
Private Money-purchase or refinance 10.5 11.3 2-3 year note cannot qualify using tax returns or bank statements
Private Money-2nd Mortgage 10.5 11.3 2-3 year note cannot qualify using tax returns or bank statements
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Exceptions: call or email kevin@ezdirectloans.com (949)269-8992

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Conventional financing- 70% loan-to-value, primary, 1 unit, >720 mid fico, purchase orrate and term refinance, $500,000 loan amount, 30 year fixed fully amortizing
Jumbo financing- 70% loan-to-value, primary, 1 unit, >720 mid fico, purchase or rate and term refinance, $2,000,000 loan amount, 30 year fixed fully amortizing
FHA financing- 70% loan-to-value, primary, 1 unit, >720 mid fico, purchase or rate and term refinance, $500,000 loan amount, 30 year fixed fully amortizing
VA financing- 70% loan-to-value, primary, 1 unit, >720 mid fico, purchase or rate and term refinance, $500,000 loan amount, 30 year fixed fully amortizing
USDA financing- 70% loan-to-value, primary, 1 unit, >720 mid fico, purchase or rate and term refinance, $500,000 loan amount, 30 year fixed fully amortizing
Bank Statements 1st financing- 70% loan-to-value, primary, 1 unit, >720 mid fico, purchase or rate and term refinance, $500,000 loan amount, 30 year fixed fully amortizing
Bank Statements 2nd financing- 70% loan-to-value, primary, 1 unit, >720 mid fico, cash-out, $500,000 loan amount, 30 year fixed fully amortizing
DSCR financing 1-4 units- 70% loan-to-value, primary, 1 unit, >720 mid fico, purchase or rate and term refinance, $500,000 loan amount, 30 year fixed fully amortizing
DSCR financing- 5-24 units70% loan-to-value, primary, 1 unit, >720 mid fico, purchase or rate and term refinance, $500,000 loan amount, 30 year fixed fully amortizing
NO income doc financing- 70% loan-to-value, primary, 1 unit, >720 mid fico, purchase or rate and term refinance, $500,000 loan amount, 30 year fixed fully amortizing
Private financing- 65% loan-to-value, primary, 1 unit, >720 mid fico, purchase or rate and term refinance, $500,000 loan amount, 2 year note
Private financing 2nd - 65% combined loan-to-value, primary, 1 unit, >720 mid fico, cash out $500,000 loan amount, 2 year note

About Us

We've been helping customers afford the home of their dreams for many years and we love what we do.

Company NMLS: 1784844
www.nmlsconsumeraccess.org

Contact Us

200 Spectrum Center Drive Suite 300
Irvine, California 92618
Phone: 866-266-6620
Text us at - (424) 232-0409
kevin@ezdirectloans.com

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