Business Details
Your Trusted Mortgage Partner for Custom Loan Solutions
E Zip Mortgage redefines mortgage services by prioritizing personalized solutions over traditional institutional approaches. Our team of licensed mortgage loan originators specializes in navigating complex financial scenarios to deliver tailored home loan options. With expertise in non-traditional lending criteria, we help clients qualify through innovative methods like bank statement verification and high debt-to-income ratio approvals.Our streamlined digital process enables rapid closings within 30 days while maintaining 7-day-a-week expert support. We combine technological efficiency with human insight to transform mortgage experiences, focusing on simplifying what others make complicated. Our commitment to outside-the-box thinking has successfully closed countless challenging loan cases that conventional lenders would decline.
Services
No Doc Loans
Jumbo Home Loans
Investor Loans
Bank Statement Loans
Conventional Loans
Multi-Family Loans
Condo Financing
FHA Loans
VA Loans
Renovation Loans
Highlights and features
- We offer wholesale mortgage rates lower than retail competitors
- We provide 30-day or faster closings with digital convenience
- We specialize in non-traditional loan approvals with 50% debt-to-income ratios
- We operate seven days a week with expert loan originators available nights and weekends
- We maintain a 100% commitment to outside-the-box mortgage solutions
Services
No Doc Loans
No documentation loans for primary residences and second homes. Ideal for borrowers with non-traditional income sources who cannot verify income through standard methods. These programs allow qualification based on alternative financial indicators while maintaining competitive rates and terms.
Jumbo Home Loans
Jumbo loan programs with 5% down payment options. Designed for luxury home purchases exceeding conventional loan limits. These mortgages accommodate high-value properties while maintaining flexible underwriting standards and competitive pricing.
Bank Statement Loans
Specialized mortgage solutions for self-employed individuals. Qualify using bank statements instead of traditional tax returns. Ideal for business owners with complex financial structures or those who reinvest income back into their businesses.
VA Loans
Zero-down payment mortgage programs for eligible veterans and military personnel. Includes specialized refinancing options that may not require income verification, credit checks, or property appraisals for qualified applicants.
Renovation Loans
Purchase or refinance programs that include repair and renovation costs. These loans base approval on the property's future value after improvements, allowing buyers to finance both acquisition and upgrades in a single transaction.
People
Eddie Hoskins
Founder/CEO
Eddie Hoskins established E Zip Mortgage with a mission to simplify home financing through innovative solutions. With extensive industry experience, he leads a team focused on delivering personalized mortgage services that prioritize client needs over traditional banking constraints.
Questions
What mortgage loan options do you offer for self-employed individuals?
We specialize in bank statement loans for self-employed borrowers who don't report full income on tax returns.
Can I qualify for a home loan with minimal down payment?
Yes, we offer 3.5% FHA loans, 3% conventional options for first-time buyers, and VA loans with zero down payment.
How quickly can you close a mortgage loan?
Our streamlined digital process typically closes loans within 30 days from application.
Do you offer mortgage options for investment properties?
Yes, we provide investor loans qualified based on property rental income rather than personal income.
Are your mortgage rates competitive?
We offer wholesale mortgage rates that are typically lower than traditional retail lenders' rates.
When can I speak with a mortgage loan originator?
Our licensed loan experts are available seven days a week, including evenings and weekends.
