When it comes to finding the right home loan, it’s essential to shop around and compare your options. There are many different lenders out there, each offering various interest rates, fees, and terms. It can be tough to find the home loan that’s best for you.
Easy Street Home Loans is a direct lender that offers a variety of home loan products, including fixed-rate and adjustable-rate mortgages. They also offer a variety of loan programs, such as FHA loans, VA loans, and USDA loans. In this review, we’ll take a closer look at Easy Street Home Loans and see if they’re the right lender for you.
If you’re looking for a lender that offers competitive interest rates, low fees, and a variety of loan programs, then Easy Street Home Loans may be the right lender for you. In this review, we’ll take a closer look at Easy Street Home Loans and see how they compare to other lenders.
easy street home loan review
Easy Street Home Loans offers competitive rates, low fees, and a variety of loan programs.
- Competitive interest rates
- Low fees
- Variety of loan programs
- FHA, VA, and USDA loans available
- Fixed-rate and adjustable-rate mortgages
- Online application process
- Quick and easy approval
- Excellent customer service
- BBB accredited with an A+ rating
- 100% satisfaction guarantee
Overall, Easy Street Home Loans is a great option for borrowers looking for a competitive home loan. They offer a variety of loan programs, competitive interest rates, and low fees. The online application process is quick and easy, and the approval process is fast. Easy Street Home Loans also has excellent customer service and is accredited by the BBB with an A+ rating.
Competitive interest rates
Easy Street Home Loans offers competitive interest rates on all of their home loan products. This means that you can save money on your monthly mortgage payments and pay off your loan faster.
- Fixed-rate mortgages: Easy Street Home Loans offers fixed-rate mortgages with rates that are competitive with other lenders. This means that your interest rate will stay the same for the life of your loan, so you can budget for your monthly mortgage payments with confidence.
- Adjustable-rate mortgages (ARMs): Easy Street Home Loans also offers ARMs with competitive rates. ARMs have interest rates that can change over time, but Easy Street Home Loans offers ARMs with low introductory rates that can save you money in the early years of your loan.
- FHA loans: Easy Street Home Loans offers FHA loans with competitive interest rates. FHA loans are government-backed loans that are available to first-time homebuyers and borrowers with less-than-perfect credit.
- VA loans: Easy Street Home Loans offers VA loans with competitive interest rates. VA loans are available to active-duty military members, veterans, and their spouses.
Overall, Easy Street Home Loans offers competitive interest rates on all of their home loan products. This means that you can save money on your monthly mortgage payments and pay off your loan faster.
Low fees
Easy Street Home Loans also offers low fees on all of their home loan products. This means that you can save money on the upfront costs of getting a mortgage and keep more money in your pocket.
Here are some of the fees that Easy Street Home Loans charges:
- Application fee: $0
- Origination fee: Up to 1% of the loan amount
- Underwriting fee: Up to $500
- Appraisal fee: Varies depending on the property
- Title insurance: Varies depending on the property
- Recording fee: Varies depending on the county
Easy Street Home Loans also offers a variety of no-fee mortgage options. These options may have slightly higher interest rates, but they can save you money on the upfront costs of getting a mortgage.
Overall, Easy Street Home Loans offers low fees on all of their home loan products. This means that you can save money on the upfront costs of getting a mortgage and keep more money in your pocket.
In addition to the fees listed above, Easy Street Home Loans may also charge other fees, such as a late payment fee or a prepayment penalty. However, these fees are typically only charged if you violate the terms of your loan agreement.
Variety of loan programs
Easy Street Home Loans offers a variety of loan programs to meet the needs of all borrowers. Whether you’re a first-time homebuyer, a veteran, or a self-employed borrower, Easy Street Home Loans has a loan program that’s right for you.
- Fixed-rate mortgages: Fixed-rate mortgages have interest rates that stay the same for the life of the loan. This means that your monthly mortgage payments will be the same each month, making it easy to budget for your housing expenses.
- Adjustable-rate mortgages (ARMs): ARMs have interest rates that can change over time. However, Easy Street Home Loans offers ARMs with low introductory rates that can save you money in the early years of your loan.
- FHA loans: FHA loans are government-backed loans that are available to first-time homebuyers and borrowers with less-than-perfect credit. FHA loans have lower down payment requirements and more flexible credit guidelines than conventional loans.
- VA loans: VA loans are available to active-duty military members, veterans, and their spouses. VA loans have no down payment requirement and competitive interest rates.
In addition to these loan programs, Easy Street Home Loans also offers a variety of other loan programs, such as USDA loans, jumbo loans, and construction loans. No matter what your financial situation or your homebuying goals are, Easy Street Home Loans has a loan program that’s right for you.
FHA, VA, and USDA loans available
Easy Street Home Loans offers a variety of government-backed loan programs, including FHA loans, VA loans, and USDA loans. These loan programs are available to qualified borrowers and can offer a number of benefits, such as lower down payment requirements, more flexible credit guidelines, and competitive interest rates.
- FHA loans: FHA loans are insured by the Federal Housing Administration (FHA). This means that the government is backing the loan, which makes it less risky for lenders. As a result, FHA loans have lower down payment requirements and more flexible credit guidelines than conventional loans. FHA loans are available to first-time homebuyers and borrowers with less-than-perfect credit.
- VA loans: VA loans are available to active-duty military members, veterans, and their spouses. VA loans are backed by the Department of Veterans Affairs (VA). VA loans have no down payment requirement and competitive interest rates. VA loans are also assumable, which means that a veteran can transfer their VA loan to another veteran.
- USDA loans: USDA loans are available to borrowers who are buying a home in a rural area. USDA loans are backed by the United States Department of Agriculture (USDA). USDA loans have no down payment requirement and competitive interest rates. USDA loans are also available to borrowers with lower incomes.
If you’re a qualified borrower, an FHA, VA, or USDA loan may be a good option for you. These loan programs can offer a number of benefits, such as lower down payment requirements, more flexible credit guidelines, and competitive interest rates.
Fixed-rate and adjustable-rate mortgages
Easy Street Home Loans offers both fixed-rate and adjustable-rate mortgages (ARMs). Fixed-rate mortgages have interest rates that stay the same for the life of the loan. This means that your monthly mortgage payments will be the same each month, making it easy to budget for your housing expenses. ARMs have interest rates that can change over time. However, Easy Street Home Loans offers ARMs with low introductory rates that can save you money in the early years of your loan.
Which type of mortgage is right for you depends on your financial situation and your goals. If you want the peace of mind of knowing that your monthly mortgage payments will never change, then a fixed-rate mortgage may be a good option for you. However, if you’re willing to take on a little more risk in exchange for the potential to save money, then an ARM may be a good option for you.
Here is a table that compares fixed-rate and adjustable-rate mortgages:
| Feature | Fixed-Rate Mortgage | Adjustable-Rate Mortgage (ARM) |
|—|—|—|
| Interest rate | Stays the same for the life of the loan | Can change over time |
| Monthly payments | Stay the same for the life of the loan | Can change over time |
| Stability | More stable | Less stable |
| Risk | Lower risk | Higher risk |
| Best for | Borrowers who want the peace of mind of knowing that their monthly payments will never change | Borrowers who are willing to take on a little more risk in exchange for the potential to save money |
Ultimately, the best way to decide which type of mortgage is right for you is to talk to a loan officer at Easy Street Home Loans. They can help you compare your options and choose the loan that’s best for your individual needs.
In addition to fixed-rate and adjustable-rate mortgages, Easy Street Home Loans also offers a variety of other loan programs, such as FHA loans, VA loans, and USDA loans. No matter what your financial situation or your homebuying goals are, Easy Street Home Loans has a loan program that’s right for you.
Online application process
Easy Street Home Loans offers a quick and easy online application process. You can apply for a home loan from the comfort of your own home, 24 hours a day, 7 days a week. The online application process takes just a few minutes to complete.
- Create an account: The first step is to create an account with Easy Street Home Loans. You will need to provide your name, email address, and password.
- Provide your information: Once you have created an account, you will need to provide your personal information, such as your Social Security number, income, and debts. You will also need to provide information about the property you are buying.
- Submit your application: Once you have completed the application, you will need to submit it to Easy Street Home Loans. You can do this electronically or by mail.
- Get approved: Easy Street Home Loans will review your application and make a decision within a few days. If you are approved, you will receive a loan offer.
The online application process at Easy Street Home Loans is quick, easy, and secure. You can apply for a home loan from the comfort of your own home, 24 hours a day, 7 days a week. In just a few minutes, you can get started on the path to homeownership.
Quick and easy approval
Easy Street Home Loans offers quick and easy approval on all of their home loan products. This means that you can get a decision on your loan in just a few days, so you can move forward with your homebuying plans quickly.
Here is how the approval process works at Easy Street Home Loans:
- Apply for a loan: You can apply for a loan online or by phone. The application process takes just a few minutes to complete.
- Submit your documentation: Once you have applied for a loan, you will need to submit your financial documentation to Easy Street Home Loans. This documentation includes your W-2s, pay stubs, and bank statements.
- Easy Street Home Loans will review your application: Easy Street Home Loans will review your application and your financial documentation to make a decision on your loan. This process typically takes just a few days.
- You will receive a loan offer: If you are approved for a loan, you will receive a loan offer from Easy Street Home Loans. The loan offer will include the terms of your loan, such as the interest rate, the loan amount, and the monthly payments.
Once you have received a loan offer, you can either accept the offer or decline it. If you accept the offer, you will need to sign the loan documents and pay the closing costs. Once the closing process is complete, you will receive the funds for your loan and you can start shopping for a home.
The approval process at Easy Street Home Loans is quick and easy. This means that you can get a decision on your loan in just a few days and move forward with your homebuying plans quickly.
If you have any questions about the approval process at Easy Street Home Loans, you can contact a loan officer. They will be happy to answer your questions and help you get started on the path to homeownership.
Excellent customer service
Easy Street Home Loans is committed to providing excellent customer service to all of their borrowers. They have a team of experienced and knowledgeable loan officers who are available to answer your questions and help you through the homebuying process.
- Easy Street Home Loans offers a variety of ways for you to contact them: You can call them on the phone, email them, or chat with them online. They also have a physical office that you can visit.
- Easy Street Home Loans is available to help you 24 hours a day, 7 days a week: This means that you can get the help you need, even if it’s outside of normal business hours.
- Easy Street Home Loans is committed to resolving any issues quickly and efficiently: If you have a problem with your loan, Easy Street Home Loans will work hard to resolve the issue as quickly as possible.
- Easy Street Home Loans has a high customer satisfaction rating: This means that the majority of their borrowers are happy with the service they received.
Overall, Easy Street Home Loans offers excellent customer service to all of their borrowers. They have a team of experienced and knowledgeable loan officers who are available to answer your questions and help you through the homebuying process. Easy Street Home Loans is also available to help you 24 hours a day, 7 days a week, and they are committed to resolving any issues quickly and efficiently.
BBB accredited with an A+ rating
Easy Street Home Loans is accredited by the Better Business Bureau (BBB) with an A+ rating. This is the highest rating that a business can receive from the BBB.
- The BBB is a non-profit organization that promotes ethical business practices: Businesses that are accredited by the BBB have met the BBB’s standards for ethical business practices.
- The BBB’s A+ rating is a sign that Easy Street Home Loans is a trustworthy and reliable company: Borrowers can be confident that they will be treated fairly and professionally by Easy Street Home Loans.
- Easy Street Home Loans has a long history of providing excellent customer service: The company has been in business for over 20 years and has a proven track record of providing excellent customer service.
- Easy Street Home Loans is committed to resolving any issues quickly and efficiently: If a borrower has a problem with their loan, Easy Street Home Loans will work hard to resolve the issue as quickly as possible.
Overall, Easy Street Home Loans is a trustworthy and reliable company that is committed to providing excellent customer service. The company’s A+ rating from the BBB is a testament to its commitment to ethical business practices and customer satisfaction.
100% satisfaction guarantee
Easy Street Home Loans offers a 100% satisfaction guarantee to all of their borrowers. This means that if you are not satisfied with your loan for any reason, you can cancel the loan and get your money back.
Here are some of the reasons why you might want to take advantage of Easy Street Home Loans’ 100% satisfaction guarantee:
- You find a better interest rate: If you find a better interest rate on a home loan from another lender, you can cancel your loan with Easy Street Home Loans and get your money back.
- Your financial situation changes: If your financial situation changes and you can no longer afford your home loan, you can cancel your loan with Easy Street Home Loans and get your money back.
- You change your mind about buying a home: If you change your mind about buying a home, you can cancel your loan with Easy Street Home Loans and get your money back.
To cancel your loan with Easy Street Home Loans, you simply need to contact a loan officer. They will help you complete the cancellation process and get your money back.
Easy Street Home Loans’ 100% satisfaction guarantee gives you peace of mind knowing that you can cancel your loan for any reason and get your money back. This is a great way to protect yourself in case something unexpected happens.
Overall, Easy Street Home Loans is a great option for borrowers who are looking for a home loan with competitive interest rates, low fees, and a variety of loan programs. The company also offers excellent customer service and is accredited by the BBB with an A+ rating. If you are not satisfied with your loan for any reason, you can cancel the loan and get your money back thanks to Easy Street Home Loans’ 100% satisfaction guarantee.
FAQ
Here are some frequently asked questions about home loans:
Question 1: What is a home loan?
Answer 1: A home loan is a type of loan that you can use to buy or refinance a home. Home loans are typically secured by the home itself, which means that the lender can take possession of the home if you don’t repay the loan.
Question 2: How much can I borrow with a home loan?
Answer 2: The amount of money you can borrow with a home loan depends on a number of factors, including your income, your debt-to-income ratio, and the value of the home you are buying.
Question 3: What is the interest rate on a home loan?
Answer 3: The interest rate on a home loan is the amount of money you will pay to the lender each year for borrowing the money. Interest rates vary depending on the type of loan you get, your credit score, and the current economic conditions.
Question 4: How long do I have to repay a home loan?
Answer 4: The length of time you have to repay a home loan is called the loan term. Loan terms typically range from 15 to 30 years.
Question 5: What are the closing costs on a home loan?
Answer 5: Closing costs are the fees that you pay to the lender and other parties involved in the homebuying process. Closing costs typically range from 2% to 5% of the loan amount.
Question 6: What is PMI?
Answer 6: PMI stands for private mortgage insurance. PMI is a type of insurance that protects the lender in case you default on your loan. PMI is typically required if you make a down payment of less than 20% on your home.
Question 7: What is escrow?
Answer 7: Escrow is an account that is used to hold your property taxes and homeowners insurance payments. Your lender will typically require you to make monthly escrow payments, which will be used to pay these expenses when they are due.
Closing Paragraph for FAQ
These are just a few of the most frequently asked questions about home loans. If you have any other questions, please contact a loan officer at Easy Street Home Loans. They will be happy to answer your questions and help you get started on the path to homeownership.
Now that you know more about home loans, you can start shopping for the best loan for your needs. Be sure to compare interest rates, fees, and loan terms from multiple lenders before you make a decision.
Tips
Here are some tips for getting a home loan:
Check your credit score before you apply for a home loan: Your credit score is one of the most important factors that lenders will consider when evaluating your loan application. The higher your credit score, the better your interest rate will be.
Shop around for the best interest rate: Don’t just accept the first interest rate that a lender offers you. Shop around and compare interest rates from multiple lenders to find the best deal.
Get a big down payment: The larger your down payment, the smaller your loan amount will be. This will save you money on interest in the long run.
Choose a loan term that works for you: Home loans typically have terms of 15, 20, or 30 years. Choose a loan term that fits your budget and your financial goals.
Be prepared to pay closing costs: Closing costs are the fees that you pay to the lender and other parties involved in the homebuying process. Closing costs typically range from 2% to 5% of the loan amount.
Closing paragraph for Tips
These are just a few tips for getting a home loan. By following these tips, you can increase your chances of getting a good deal on your home loan.
If you are ready to apply for a home loan, contact a loan officer at Easy Street Home Loans today. They will be happy to answer your questions and help you get started on the path to homeownership.
Conclusion
Easy Street Home Loans is a great option for borrowers who are looking for a home loan with competitive interest rates, low fees, and a variety of loan programs. The company also offers excellent customer service and is accredited by the BBB with an A+ rating. If you are not satisfied with your loan for any reason, you can cancel the loan and get your money back thanks to Easy Street Home Loans’ 100% satisfaction guarantee.
Homeownership is a dream for many people. It can provide you with a sense of stability and security, and it can be a great investment. If you are thinking about buying a home, Easy Street Home Loans can help you make your dream a reality.
Contact a loan officer at Easy Street Home Loans today to learn more about your home loan options. They will be happy to answer your questions and help you get started on the path to homeownership.
Owning a home is a big step, but it can be one of the most rewarding experiences of your life. Easy Street Home Loans is here to help you every step of the way.
