{"id":1527,"date":"2024-03-31T14:59:04","date_gmt":"2024-03-31T21:59:04","guid":{"rendered":"https:\/\/ezmortgages.us\/?page_id=1527"},"modified":"2024-04-26T14:08:09","modified_gmt":"2024-04-26T21:08:09","slug":"self-employed-home-loans","status":"publish","type":"page","link":"https:\/\/ezmortgages.us\/self-employed-home-loans\/","title":{"rendered":"Self Employed Home Loans"},"content":{"rendered":"\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"http:\/\/mortgagepreapproval.zipforhome.com\">Get Your Preapproval Now!<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-fc92abdc alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-a54b8bea\"><h1 class=\"uagb-heading-text\">You Work Hard. Getting Your Mortgage Shouldn&#8217;t Be.<\/h1><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-973be38f alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-e9ed4536\"><h2 class=\"uagb-heading-text\">Mortgages For Self-Employed Borrowers Are Not Hard<\/h2><\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-bc238df2\">\n<div class=\"wp-block-uagb-container uagb-block-c15bae76\"><\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-781f695e\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-4de4addd\"><h2 class=\"uagb-heading-text\">Use Your Tax Returns<\/h2><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-medium-font-size\">Self employed home loans are simplest using your taxes to qualify.  That gets you the best rate and fee options, without down payment restrictions.<\/li>\n\n\n\n<li class=\"has-medium-font-size\">If your business has been in existence for five or more years, we may only need your most recent year&#8217;s taxes to qualify.<\/li>\n\n\n\n<li class=\"has-medium-font-size\">If your business has been in existence for fewer than five years, you will generally need to use the last two years&#8217; income to qualify.<\/li>\n\n\n\n<li class=\"has-medium-font-size\">If you graduated from school, or were employed by a company, left and started your business in the same line of work, we may only need one year&#8217;s tax returns to qualify.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-aa45cf7a\"><h2 class=\"uagb-heading-text\">We Help You Assess Your Best Options<\/h2><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-call-to-action uagb-block-f30e4fd1 wp-block-button\"><div class=\"uagb-cta__wrap\"><h3 class=\"uagb-cta__title\">Learn Your Options Now!<\/h3><p class=\"uagb-cta__desc\">Hit the link and start your secure online preapproval application. <\/p><\/div><div class=\"uagb-cta__buttons\"><a href=\"https:\/\/mortgagepreapproval.zipforhome.com\" class=\"uagb-cta__button-link-wrapper wp-block-button__link\" target=\"_blank\" rel=\"noopener noreferrer\">Start Your Preapproval!<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M504.3 273.6l-112.1 104c-6.992 6.484-17.18 8.218-25.94 4.406c-8.758-3.812-14.42-12.45-14.42-21.1L351.9 288H32C14.33 288 .0002 273.7 .0002 255.1S14.33 224 32 224h319.9l0-72c0-9.547 5.66-18.19 14.42-22c8.754-3.809 18.95-2.075 25.94 4.41l112.1 104C514.6 247.9 514.6 264.1 504.3 273.6z\"><\/path><\/svg><\/a><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-105e814a\">\n<div class=\"wp-block-uagb-container uagb-block-0b7b1276\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-8fa0db85\"><h2 class=\"uagb-heading-text\">Other Self Employed Home Loan Options<\/h2><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-medium-font-size\">If your tax returns don&#8217;t show enough income, we can consider the following options to qualify:<\/li>\n\n\n\n<li class=\"has-medium-font-size\">We can review your bank deposits for the last 12 to 24 months.<\/li>\n\n\n\n<li class=\"has-medium-font-size\">We can review your 1099s.<\/li>\n\n\n\n<li class=\"has-medium-font-size\">We can review your P&amp;L.<\/li>\n\n\n\n<li class=\"has-medium-font-size\">Debt Service Coverage Ratio (DSCR) loans may fit your needs.<\/li>\n\n\n\n<li class=\"has-medium-font-size\">Asset Depletion may also be an option.<\/li>\n\n\n\n<li class=\"has-medium-font-size\">Keep in mind, the further away you get from standard income documentation, the more expensive your rate and fee options get.  And you will generally need at least 10% down.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-9073a7b7\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-call-to-action uagb-block-e4175d4f wp-block-button\"><div class=\"uagb-cta__wrap\"><h3 class=\"uagb-cta__title\">Give Us A Call Now!<\/h3><p class=\"uagb-cta__desc\">One of our <a href=\"https:\/\/ezmortgages.us\/about-us\/mortgage-experts\/\">Mortgage Experts<\/a> will answer.  And if we cannot talk, we&#8217;ll call you right back.  In about a ten minute conversation you will know your best options and the math behind them.<\/p><\/div><div class=\"uagb-cta__buttons\"><a href=\"tel:5303033643\" class=\"uagb-cta__button-link-wrapper wp-block-button__link\" target=\"_self\" rel=\"noopener noreferrer\">Call 530-303-3643 Now!<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M504.3 273.6l-112.1 104c-6.992 6.484-17.18 8.218-25.94 4.406c-8.758-3.812-14.42-12.45-14.42-21.1L351.9 288H32C14.33 288 .0002 273.7 .0002 255.1S14.33 224 32 224h319.9l0-72c0-9.547 5.66-18.19 14.42-22c8.754-3.809 18.95-2.075 25.94 4.41l112.1 104C514.6 247.9 514.6 264.1 504.3 273.6z\"><\/path><\/svg><\/a><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-768d70ff\">\n<div class=\"wp-block-uagb-container uagb-block-9d91bde5\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-1492a41d\"><h2 class=\"uagb-heading-text\">Steps To Your Home Purchase:<\/h2><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-medium-font-size\">Get a mortgage preapproval.  You want to understand the math behind your rate and fee options, your total monthly housing expense, and your total cash to close.<\/li>\n\n\n\n<li class=\"has-medium-font-size\">Start shopping for a home that meets your needs and budget.  <\/li>\n\n\n\n<li class=\"has-medium-font-size\">Make an offer on a home you like that meets their eligibility requirements.  Our mortgage preapproval letters are specific to your offer\/s, so you&#8217;re not showing your cards to the seller.<\/li>\n\n\n\n<li class=\"has-medium-font-size\">Get into contract.<\/li>\n\n\n\n<li class=\"has-medium-font-size\">Close your home purchase.  We can usually close your loan in two or three weeks, if speed is important to the seller.<\/li>\n\n\n\n<li class=\"has-medium-font-size\">Enjoy your new home!<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-0a48065c\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-b1456aa3\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:5303033643\" rel=\"tel:5303033643\">Take Your First Step And Call Us Now!<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-3c6dfe8d\">\n<div class=\"wp-block-uagb-container uagb-block-30ddcc8f\"><\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-017b51d2\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-4ab7a0c0\"><h2 class=\"uagb-heading-text\">Your Roadmap To Homeownership<\/h2><\/div>\n\n\n\n<p class=\"has-medium-font-size\">We can get you qualified and preapproved in about a ten minute conversation (or you can complete our online <a href=\"http:\/\/mortgagepreapproval.zipforhome.com\">mortgage preapproval<\/a> application, that we&#8217;ll follow with a phone call).  But, sometimes you&#8217;ll find that you won&#8217;t qualify for what you&#8217;d hoped.  <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-medium-font-size\">Maybe you need to boost your credit?<\/li>\n\n\n\n<li class=\"has-medium-font-size\">Maybe you need to save more for your down payment and closing costs?  <\/li>\n\n\n\n<li class=\"has-medium-font-size\">Maybe you need a little more income to get into the home that best fits your needs?<\/li>\n<\/ul>\n\n\n\n<p class=\"has-medium-font-size\">Whatever the reason may be, we&#8217;re with you, every step of the way.  And, we often have solutions you may not have considered, to get where you want to be, too.  Especially for the self-employed.  Either way, you will have a clear roadmap to achieve your goal of buying your home.  <\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-eb6ae826\">\n<div class=\"wp-block-uagb-container uagb-block-7ae3fec6\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-b6971f02\"><h2 class=\"uagb-heading-text\">We Respect Your Privacy<\/h2><\/div>\n\n\n\n<p class=\"has-medium-font-size\">Don\u2019t worry. You won\u2019t get bombarded by telemarketers. We\u2019re not like lendingtree or bankrate that are lead generating funnels who sell your information to mortgage companies. Nor are we a fully electronic, nameless, faceless app, that serves up information without helpful insight.  We&#8217;re real people, at your service to help you evaluate your spectrum of options, and make the best decisions to suit your needs.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-17a6009e\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-813ca4c8\">\n<div class=\"wp-block-buttons alignfull is-content-justification-right is-layout-flex wp-container-core-buttons-is-layout-d445cf74 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"http:\/\/mortgagepreapproval.zipforhome.com\">Start Your Homebuyer Preapproval Now!<\/a><\/div>\n<\/div>\n<\/div>\n\n\n<div class=\"strong-view strong-view-id-2 modern wpmtst-modern slider-container slider-mode-fade slider-adaptive\" data-count=37 data-slider-var=strong_slider_id_2 data-state=idle><div class=\"strong-content wpmslider-content\"><div class=\"wpmtst-testimonial testimonial t-slide post-872\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Chris Proctor, South Lake Tahoe, CA<\/h3><p>\u201cHey Eric, Thanks again for you work on our refi.\u00a0 It was the smoothest one we have ever done. \u201c<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Chris Proctor<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1393\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Brie Hall<\/h3><p>Where do I even begin with all of the glowing remarks I have for not only EZ mortgages (true to their name) but specifically Eric! We were NOT easy clients. We made an offer with a 14 day close and hopped over to Eric from another lender that was severely overcharging us in garbage fees with just 10 days left. We were also jumping through all of the hoops with the California Fair Plan and Eric was absolutely phenomenal.<\/p><p>You always hope that people you are working with in your big life moments will act with the same care, passion, and intentionality that you are putting in but rarely do you actually get that because this is something THEY do every day &#8211; just a new experience for you! But not Eric, he called us well after normal business hours were done, was immediately responsive ALWAYS, and was first class in his knowledge of the industry and a great person to patiently guide us through this process.<\/p><p>Eric will GET IT DONE and will be our only recommendation to friends, family, strangers, etc. going forward. This guy deserves your business &#8211; he earns it!<\/p><p>Thank you Eric!<br \/>\nBrie Hall<\/p><p>Home purchase March 2024<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Brie Hall<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-875\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Dixie Diaz, Sacramento, CA<\/h3><p>\u201cSorry for the delay in sending this \u2013 we just installed our mailbox at the new house, and just a day or two ago saw your card!\u00a0 That was really very thoughtful of you, thanks so much! it will definitely come in handy.\u00a0 And I wanted to thank you as well for an extremely smooth homebuying process, for keeping me and all parties in the loop and informed every step of the way, for being so responsive to questions and requests, and for just being a pleasure to work with. all was very much appreciated. Lillian @ Stewart\u00a0 Title had nothing but accolades for you, apparently in her experience the process is rarely as smooth as ours was. Anyway thanks again, I feel fortunate that I happened to be talking to Omid at the start of the process and he referred me to you! I will definitely do the same if I know of anyone looking for a home. Many thanks again!\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Dixie Diaz<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-887\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Sandeep Agarwala, Cupertino, CA<\/h3><p>\u201cI would like to thank you for helping me refinance my loan. It was a pleasure working with you. You were very patient, responsive and efficient all throughout the process. I would be happy to recommend you to my friends and relatives.\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Sandeep Agarwala<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-879\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Ovi and Maria Moldovan<\/h3><p>\u201cThank you guys all so much for making this happen for us. I felt like we had absolutely the best team on our side. You are all truly amazing and we are oh so very appreciative. Again thank u and we will definitely keep in touch.\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Ovi and Maria Moldovan<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1396\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Michael Scannell<\/h3><p>Eric turned around a $180,000 refinance for me in 17 days and he was trying to save me money from the start. Eric has mastered and applied technology to what was once considered a cumbersome process that took forever and a day and turned it into a quick, user-friendly experience. Extremely well educated, Eric was able to work around any and all dilemmas raised by the lender. Erik is just a very friendly person with excellent communication skills. I would recommend him to anyone looking for a Mortgage.<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Michcael Scannell<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-874\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">David Granzella, NorCalREIA<\/h3><p>\u201cYour in-depth and professional work is amazing. \u00a0I have these wonderful thoughts that tomorrow may just surprise us, keeping our team together on this one.\u00a0 SERIOUSLY\u2026\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">David Granzella<\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-company\">NorCalREIA<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-873\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Victor Vides<\/h3><p>\u201cEric, Excellent job, very quick and you always kept us informed.\u00a0\u00a0 More clients are coming your way from me.\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Victor Vides<\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-company\">Excel Realty<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-881\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Tina Hewitt, DE Underwriter, Sierra Pacific Mortgage<\/h3><p>\u201cYour files always Rock!\u00a0\u00a0 \u00a0Thank you for your business, we know you have a choice.\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Tina Hewitt, DE Underwriter<\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-company\">Sierra Pacific Mortgage<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-888\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Elizabeth J. Stoops, Senior Escrow Officer\/AVP, Fidelity National Title, Brentwood, CA<\/h3><p>\u201cI loved working with Eric!\u00a0 He was great!!!\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Elizabeth Stoops<\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-company\">Fidelity National Title<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1400\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">renealab<\/h3><p>Eric is the fifth mortgage lender my husband and I have used over the years, but he will certainly be the ONLY one we use in the future! We have never had anyone so quick to respond, so organized and absolutely no-nonsense. What he says he can do&#8211;he does. He was also the fastest broker we have ever used. He cut through the red tape and just got it done for us. We would not hesitate to recommend him to any of our friends and family. My Mom is already using him on a property! A+<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">renealab<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-876\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Walter Biel, San Jose, CA<\/h3><p>\u201cYou have been a tremendous help and as before use me as a reference any time.\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Walter Biel<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-883\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Elisse and Andrew Tweet<\/h3><p>\u201cWow! What an awesome job, thank you so much.\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Elisse and Andrew Tweet<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1399\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Gustav Muehlenhaupt<\/h3><p>Eric is fantastic very helpful in a complicated process.<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Gustav Muehlenhaupt<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1402\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">darrell peer<\/h3><p>I&#8217;ve used Eric for my mortgages for the past 12 or so years, 2 purchases and 2 refi&#8217;s I believe. Most mortgage brokers send you a card once your loan closes and you never hear from them again. I truly consider Eric a valuable asset in helping me meet my financial goals. Over the years I&#8217;ve run probably 50 ideas by him, either wanting to refi, some wild ideas about buying other properties, or consolidating debt, etc. I send him an email  and he checks into what I want to do then responds with good, honest advice. He&#8217;s advised me not to do what I had considered many more times than to go forward, even though he probably could have bought a new car off the commissions had I gone through with every idea I had. I don&#8217;t think he&#8217;d let me get into a loan I couldn&#8217;t really afford.<br \/>\nA side benefit of being his client is that he sends out email updates about the market, rates and sometimes just general financial musings. I look forward to them as much as any paid advisory newsletter that I get.<br \/>\nAny mortgage broker can get you a loan but if you want someone who has your best interests in mind, knows exactly what he&#8217;s doing, will be the last mortgage broker you ever need and will entertain your crazy schemes then painlessly bring you back down to earth, nobody else can do it better.<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">darrell peer<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1404\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Sarah Cheney<\/h3><p>Eric with EZ mortgage is great to work with on loans. I can count on him for detailed and articulate information and options, he follows through and there&#8217;s zero bs and mistakes; he definitely delivers.<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Sarah Cheney<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1406\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">David Gustafson<\/h3><p>Eric is an excellent resource for providing a mortgage. More importantly his ability to come up great ideas to align with your requirements is a key skill. If you are looking for an excellent way for financing a purchase or a refinance make sure to talk with Eric!<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">David Gustafson<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-884\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Helen Danhakl, Realtor, Oakland, CA<\/h3><p>\u201d Eric &#8211; Received your most thoughtful gift today. All I ever expect of a professional is good service, and you certainly gave my daughter and the Bretts that.\u00a0 So an additional gift was certainly a surprise.\u00a0 And to my favorite restaurant at that!\u00a0 It will be put to excellent use.\u00a0 That was so nice of you.\u00a0 Be assured that when I order cocktails they will be used to remember you with a toast.\u00a0 Thank you again, so very much.\u00a0 For everything.\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Helen Danhakl<\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-company\">Realtor<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-885\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Helen Danhakl, Realtor, Oakland, CA<\/h3><p>&#8220;I&#8217;ve been a real estate Broker for 35 years, worked with more mortgage brokers for clients than I can count, and only deal with those known to be honest and absolutely reliable. There&#8217;s nothing worse than a promised preapproval or promised closing date that doesn&#8217;t come through on time. But even among that select group, Eric stands out for his knowledge of economics. He really knows the math, is astute re the real &amp; not so obvious costs of a loan, and that translates to savings for the client. He&#8217;s transparent, and absolutely reliable.&#8221;<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Helen Danhakl<\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-company\">Realtor<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1397\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Matou\u0161 Hor\u00e1k<\/h3><p>I just finished refinancing my house with Eric and I have nothing but good things to say. The whole process was very transparent and fluent.<br \/>\nI chose EZ mortgages as my second option after I wasn&#8217;t happy with terms and rate I got offered and I am glad I did. I saved a lot of money on loan processing and got a better interest rate.<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Matou\u0161 Hor\u00e1k<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-882\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Sudhir Kaushik and Ramya Somaskandan<\/h3><p>\u201cWe recently went through a refi and were immensely pleased with Eric Grathwol. He is very thorough, very patient and extremely detailed in what he does. He will answer 100 emails if you want and present an objective assessment.\u00a0 I know a lot of you are also considering a refi and strongly recommend him &#8211; you can let him know that I referred you.\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Sudhir Kaushik<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-871\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Anthony and Elaine Chiu, Hillsborough, CA<\/h3><p>\u201cYou are very welcome for our referral. \u00a0We want our friends to have the best mortgage service.\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Anthony and Elaine Chiue<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-877\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Leila Barnec, Lincoln, CA<\/h3><p>\u201cYou are the kind of person the business world needs more of, and\u00a0 I will think of you always and recommend you to my friends and family. Love the job you did for me, you were awesome. Will think of you while I&#8217;m shopping&#8230;haha\u00a0 Thanks again\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Leila Barnec<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-880\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Kimberly Dich, Elk Grove, CA<\/h3><p>\u201cWow.. that is fast, I am very happy with the loan.\u00a0 You did a very great job and kept us posted with all information.\u00a0 Thank you for all your help! BoA took me 3 months to close a loan with them.\u00a0 This was so much faster and smoother.\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Kimberly Dich<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-889\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Alfonso Herrera, Sacramento, CA<\/h3><p>\u201cI just wanted to thank you for the excellent service, you provided me with, it was a very good experience, everything went on as you said with no surprises, hidden fees or anything like that.\u00a0 It is very refreshing to know that there are still people you can trust, and I would not hesitate to recommend your services.\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Alfonso Herrera<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-868\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Cathy Asbury, Auburn, CA<\/h3><p>\u201cEric Grathwol, if you hit &#8216;bumps&#8217; other loan officers would have hit &#8216;boulders&#8217;&#8230; you are amazing at your job&#8230; thank you so much.\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Cathy Asbury<\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-company\">Lyon Real Estate<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-878\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Jeff Kaptain, Kaptain &#038; Kaptain Real Estate, Los Angeles, CA<\/h3><p>\u201cThanks again for all your help, hard work, and, in general, just kicking ass and taking names on this file. \u00a0Mom and Dad Poimiroo know what they&#8217;re talking about when it comes to lenders \ud83d\ude42 Have a great weekend! Best, Jeff\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Jeff Kaptain<\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-company\">Kaptain &amp; Kaptain Real Estate<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1395\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Brandon Johnson<\/h3><p>I recently had the pleasure of working with Matt Wilkerson and team from Ezmortgage for my home loan, and I couldn&#8217;t be more satisfied with the experience. I was in a rush to secure a mortgage, and they went above and beyond to ensure everything was done on time.<\/p><p>From the moment I contacted them, their team was incredibly friendly and accommodating. They took the time to understand my specific needs and financial situation, making me feel valued as a customer. This personalized approach was a refreshing change from the often impersonal interactions I&#8217;ve had with other financial institutions.<\/p><p>What truly stood out was their efficiency. Despite my tight timeline, they worked diligently to expedite the entire process while maintaining a high level of accuracy and professionalism. They kept me informed at every step, ensuring I was well-informed and confident throughout the process.<\/p><p>I was pleasantly surprised at how painless the entire mortgage application and approval process was with them. They took care of all the paperwork and negotiations, making it a stress-free experience for me.<\/p><p>Thanks to their exceptional service, I was able to secure my mortgage on time, allowing me to move into my new home without any delays. I can&#8217;t express enough how grateful I am to them for their outstanding work.<\/p><p>I highly recommend Ezmortgage to anyone in need of mortgage services. Their friendly, efficient, and customer-focused approach sets them apart from the rest. I couldn&#8217;t have asked for a better experience during this important milestone in my life.<\/p><p>Thank you, for making my home-buying journey a smooth and enjoyable one!<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Brandon Johnson<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-886\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Simon Au, Concord, CA<\/h3><p>\u201cGlad we stuck with you.\u00a0 I am not sure about how these other agents keep track of things.\u00a0 She was the one who told us the seller&#8217;s conditions to remove bank appraisal contingency.\u00a0 We agreed to it and now she has to check her docs?\u00a0 Either she is handling too many clients or is disorganized.\u00a0 You on the other hand made us feel we are your only clients.\u00a0 You are always there and know exactly what to do.\u00a0 Just my 2cents.\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Simon Au<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-867\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Adeeb Alzanoon, Antelope, CA<\/h3><p>\u201cThank you Eric, I really appreciate your service, knowledge and professionalism. My brother is very happy dealing with you and both of us are actively referring you to potential borrowers.\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Adeeb Alzanoon<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1401\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Jennifer Hamilton<\/h3><p>Eric was very responsive and knows his business! Great experience!<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Jennifer Hamilton<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1405\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Sara Flanagan<\/h3><p>Eric with EZ Mortgages is extremely professional and efficient. He helped our family through a quick close and delivered on time. He&#8217;s approachable, available and thorough.  I can&#8217;t imagine going through a property closing without him.<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Sara Flanagan<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1403\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Kimberly Murphy<\/h3><p>Eric is absolutely wonderful.  He has an expert eye for detail, constantly educates himself on the market, and consistently updates and stays in contact with his clients.  My husband and I confidently recommend Eric and look forward to our continued working relationship for all of our mortgage needs.<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Kimberly Murphy<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-869\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Cathy Asbury, Auburn, CA<\/h3><p>\u201cEric as always fast, efficient and full service.\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Cathy Asbury<\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-company\">Lyon Real Estate<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1394\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Patrick Frost<\/h3><p>Working with Eric from EZ Mortgages was an absolute pleasure during our recent home purchase. From start to finish, the process was exceptionally smooth and efficient. Eric&#8217;s expertise and dedication made navigating the complexities of securing a mortgage seem effortless. Not only did he provide us with competitive rates, but he also offered invaluable guidance every step of the way, ensuring we made informed decisions. The communication was always prompt and clear, leaving us feeling supported and confident throughout the entire process.<\/p><p>EZ Mortgages exceeded our expectations, and we wouldn&#8217;t hesitate to recommend them to anyone seeking a seamless and stress-free home financing experience. Thank you, Eric, and the EZ Mortgages team, for helping us achieve our homeownership dreams!<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Patrick Frost<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-1398\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Michael Jaquet<\/h3><p>We just re-financed our rental property in Park City and not only got a great interest rate but the attention to detail we got from Eric at EZ Mortgages was second to none.  He was quick and efficient on what documents he needed and even pitched in to help us track down information we needed.  He kept us up to date throughout the process on everything and was transparent about EVERY financial detail in the deal.   This was Eric&#8217;s first loan in Utah and he knocked it out of the park.  I would highly recommend him and his company to anybody in Utah and will certainly use him again for any needs I have in the future.  MJ<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Michael Jaquet<\/div><div class=\"clear\"><\/div><\/div><\/div><div class=\"wpmtst-testimonial testimonial t-slide post-870\"><div class=\"wpmtst-testimonial-inner testimonial-inner\"><div data-infinite-loop=\"true\"  class=\"wpmtst-testimonial-content  testimonial-content\"><h3 class=\"wpmtst-testimonial-heading testimonial-heading\">Cathy Asbury, Auburn, CA<\/h3><p>\u201cYou are absolutely amazing &#8211; to close a loan in under 26 CALENDAR days, that includes a 3 day weekend??\u00a0 and fight for the client on the turn times?\u00a0 Thank you, Eric,\u201d<\/p><\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-name\">Cathy Asbury<\/div><div class=\"wpmtst-testimonial-field testimonial-field testimonial-company\">Lyon Real Estate<\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>You Work Hard. Getting Your Mortgage Shouldn&#8217;t Be. Mortgages For Self-Employed Borrowers Are Not Hard Use Your Tax Returns We [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_eb_attr":"","_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-1527","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - 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