Get more than just a great rate

Your home loan is one of the most important decisions you'll make. That's why we've created the Clear Advantage Refinance Mortgage Package.

Get the most of your refinance today, tomorrow, and beyond.

A competitive rate is just the beginning

• Pay no application fee
• Save thousands in interest over the life of your loan when you set up weekly or bi-weekly payments with our Accelerated Payoff Program, and reduce your mortgage by nearly 5 years (on average)
• Fewer bills to keep track of when you sign up for automated withdrawals — ask your loan specialist for details
• Convenient online closing from virtually anywhere

Experience you can count on

With over 25 years of experience, Ezhomeloan provides you with licensed loan specialists who will be with you every step of the way.

Questions?

Speak with a Loan Specialist

877 294 6754

Get Started »

Adjustable Rate Mortgage (ARM)

Adjustable Rate Mortgages (ARM) generally have lower initial rates than fixed rate mortgages. They offer the stability of a fixed rate for a period of 3, 5, 7 or 10 years, after which time the rate may vary and the payment may increase annually. If you are looking for a lower initial rate and are not averse to risk, then an ARM may be a great option for you.
 

FHA Loan

FHA (Federal Housing Administration) loans are government backed loans that offer flexible qualifications and the security of a fixed rate. Whether you want to get cash out or lower your payment, an FHA refinance may help meet your mortgage needs.

VA Loan

Backed by the U.S. Department of Veterans Affairs, VA Loans allow veterans to get some of the most flexible refinance qualifications with a small upfront VA funding fee. Take advantage of the benefits exclusively for the men and women of the U.S. Armed Forces and their surviving spouses.
 

Jumbo Loan

If you need a higher loan amount, over the current conforming loan limit, you may be able to refinance to a lower rate with a Jumbo Loan. We have access to competitive rates and offer great service nationwide.
 

Home Owener Assistance

Current Ezhomeloan Mortgage CustomersGet started on your home loan help request.
Log on to access our online form. 

About

About Help for Homeowners

We've helped thousands of homeowners get the home loan assistance they need. We may have a program that fits your particular situation. Find out if you qualify for a refinance, loan modification, or other home loan assistance.

+ - Traditional refinance Click to collapse

If you're current on payments and have equity in your home, a refinance could help you take advantage of today's low interest rates.

A refinance could help you:

• Lower your interest rate
• Save on monthly interest payments
• Change the term of the loan
• Switch from an adjustable rate to a fixed rate
• Consolidate debt

Want to learn more or apply?
Call us at 877 294 6754

+ - The federal government's Home Affordable Refinance Program (HARP) Click to collapse

Making Home Affordable Refinance

If you can't take advantage of a traditional refinance, you could qualify for refinancing through the Making Home Affordable program.

You could qualify for a Making Home Affordable refinance if:

• You have a Fannie Mae or Freddie Mac mortgage loan on your primary residence, second home, or investment property. Please contact Fannie Mae at 1-800-7FANNIE or Freddie Mac at 1-800-FREDDIE if you are unsure.
• You are current on your existing mortgage.
• You are interested in a new fixed or adjustable loan at current low rates. Note: Refinancing fees may apply.

If you meet all of the guidelines above, call 800 606 0440 to talk to a loan agent about refinancing your mortgage.You can learn more about the federal government's Making Home Affordable programs at makinghomeaffordable.gov.

+ - The federal government's Home Affordable Modification Program (HAMP) Click to collapse

Making Home Affordable Program

If you're behind on payments, or having difficulty making your payments, you could qualify for a loan modification through the federal government's Making Home Affordable program.

You could qualify for a Making Home Affordable loan modification if:

• You own and occupy your home as your primary residence.
• You are either current, at risk of imminent default, or behind in your mortgage payments, or are in foreclosure or bankruptcy.
• The unpaid principal balance of the first mortgage on your primary residence is $729,750 or less (loan limits are higher on owner-occupied multi unit properties).
• You have verifiable source(s) of income to put towards a mortgage payment each month, even if that income has recently been reduced.
• You can provide copies of your most recent tax returns and will sign an affidavit of financial hardship.
• You have not previously modified your mortgage under the Making Home Affordable program.
• Note: Mortgages on second homes, vacant homes, and investment properties are not eligible for modification under this program. However, we may have other programs that apply to these types of properties.

You can learn more about the federal government's Making Home Affordable programs at makinghomeaffordable.gov.

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Assistance through other programs

Your completed form will help us find a plan that fits your situation. You could qualify for a:

Repayment Plan

A repayment plan allows you to make a regular payment plus a portion of the amount past due each month over a period of months. This option is based on financial information you provide, and you may be required to make a deposit toward the amount past due.

Loan Modification

A loan modification might be a good option if you have a temporary reduction in income or an increase in expenses. An effective loan modification could lower your monthly mortgage payment and cure any delinquencies on the account.

{/slider}{slide=Home Affordable Foreclosure Alternatives (HAFA) short sale or Deed in Lieu} With the government's HAFA program, you could settle your mortgage debt and avoid foreclosure with either a HAFA short sale or a HAFA Deed in Lieu (DIL).{/slider}

Protect yourself

Protect yourself against foreclosure rescue scams

Loan modifications are free; there's no charge to you. Therefore, we urge you to beware of foreclosure rescue scams that charge a fee. Learn more about these scams at makinghomeaffordable.gov/beware.html.For valuable information about avoiding unnecessary foreclosures, the options available to you to help you keep your home, and how to avoid scams, contact the FDIC at 1-877-ASK-FDIC (1-877-275-3342) or go to fdic.gov/consumers/loans/prevention/index.html.

Contact Us

Contact us

Give us a call to discuss your options.
877 294 6754
Mon through Fri from 6 am to 10 pm CT or Sat from 8 am to 2 pm CTOr call 1-800-CALL-FHA to find a HUD-certified housing counseling agency. 

 

 

Fixed Rate Mortgage

If you have a high interest rate or your Adjustable Rate Mortgage is too unpredictable, then it may be time to refinance to a Fixed Rate. Fixed Rate Mortgages give you the stability of the same principal and interest monthly payments for the life of the loan. It's the most stable, straightforward home loan.

+ - A Fixed Rate Mortgage refinance may be a good choice if you: Click to collapse

Want to lower your payment or shorten the term of your loan

• Want to get cash out to make home improvements, pay for college tuition, or pay off debt
• Plan to stay in your home for over 7 years
• Prefer the consistency of a fixed rate for budget planning

If that sounds like you, then refinancing to a Fixed Rate Mortgage may be right for you.

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Adjustable Rate Mortgage (ARM)

Adjustable Rate Mortgages (ARM) generally have lower initial rates than fixed rate mortgages. They offer the stability of a fixed rate for a period of 3, 5, 7 or 10 years, after which time the rate may vary and the payment may increase annually. If you are looking for a lower initial rate and are not averse to risk, then an ARM may be a great option for you.
 

+ - An ARM refinance may be a good choice if you: Click to collapse

• Plan to relocate or refinance in the next 5 to 7 years
• Anticipate major lifestyle changes such as an increase in income or a growing family
• Are willing to accept the risk of future interest rate changes

If that sounds like you, then refinancing to an Adjustable Rate Mortgage may be right for you.

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FHA Loan

FHA (Federal Housing Administration) loans are government backed loans that offer flexible qualifications and the security of a fixed rate. Whether you want to get cash out or lower your payment, an FHA refinance may help meet your mortgage needs.

• Lock in a low rate and lower your monthly mortgage payments
• Flexible income and credit qualifications
• Borrow up to 85% of the value of your home for cash out refinancing
• Refinance and get money to pay for home improvements, college tuition, or debt consolidation
• Upfront and monthly mortgage insurance premiums (UMIP, MIP) required

+ - An FHA Loan refinance may be a good choice if you: Click to collapse

• Need to make the switch from an adjustable rate mortgage into a fixed rate
• Want to reduce the amount of principal and interest in your monthly mortgage payments?
• Want more flexible qualification guidelines like income, equity and credit

If that sounds like you, then refinancing to an FHA Loan may be right for you.

 

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VA Loan

Backed by the U.S. Department of Veterans Affairs, VA Loans allow veterans to get some of the most flexible refinance qualifications with a small upfront VA funding fee. Take advantage of the benefits exclusively for the men and women of the U.S. Armed Forces and their surviving spouses.
 

+ - A VA Loan refinance may be a good choice if you: Click to collapse

• Are a veteran, reservist, active duty service member, or a surviving spouse of such person
• Plan to stay in your home for many years
• Need to lower your rate and/or get cash out of the equity in your home
• Want the peace of mind that stable principal and interest monthly payments bring

If that sounds like you, then refinancing to a VA Loan may be right for you.

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Jumbo Loan

If you need a higher loan amount, over the current conforming loan limit, you may be able to refinance to a lower rate with a Jumbo Loan. We have access to competitive rates and offer great service nationwide.
 

+ - A Jumbo Loan refinance may be a good choice if you: Click to collapse

• Need a loan that exceeds the conforming loan limit in your area
• Want to lower your rate
• Want to use your equity to get cash out for home improvements, debt consolidation, or pay for an unexpected expense

If that sounds like you, then refinancing to a Jumbo Mortgage may be right for you.

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HARP

Home Affordable Refinance Program

Home Affordable Refinance Program (HARP) may help homeowners make payments more manageable.

+ - HARP may be a good choice if you: Click to collapse

• Are up to date with your existing mortgage payments
• Have a mortgage that was taken out before January 1, 2009
• Have a Fannie Mae or Freddie Mac-owned mortgage loan on your primary residence, second home, or investment property. Is your home owned by Fannie Mae or Freddie Mac?

If that sounds like you, then the Home Affordable Refinance Program may be right for you.