Buying Programs | EZ Access Mortgage | EZ Access Mortgage LLC

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First-Time BuyerExplore flexible low-down-payment paths and get clear guidance before you apply.Get guidance →RefinancingReview options to lower monthly payments or use equity for your next goal.Get guidance →Veteran BuyerUnderstand VA financing benefits and where they can offer stronger value.Get guidance →Investor or CommercialCompare DSCR and commercial routes for income-producing or specialized properties.Get guidance →

Common questions

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When should I refinance?

Refinancing is typically advantageous when mortgage rates are at least 2% lower than your current loan rate. However, even a smaller difference, such as 1% or less, can still make refinancing worthwhile by reducing your monthly payments. For instance, on a $100,000 loan at 8.5%, your payment would be approximately $770, excluding taxes and insurance. If the rate drops to 7.5%, your payment would decrease to $700, saving you $70 monthly. The exact savings depend on factors like your income, budget, loan amount, and interest rate fluctuations. Consult with your lender to explore your refinancing options.For more information read our article Refinance

What’s the minimum down payment?

Most DSCR loans require at least 20–25% down, though this can vary by lender.

More resourcesMortgage Calculator →Loan Process Guide →Guides →

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