Lending Solutions in


Purchasing or refinancing a home in Illinois is a dream come true for many, but getting a mortgage or refinance can be difficult – especially for those who are new to the process or those who have less-than-perfect credit scores. EZ Lending Solution offers a wide range of mortgage and refinance opportunities all across Illinois to make everyone’s dreams of homeownership come true.

Who Do We Help?

EZ Lending Solution works hard to provide mortgages and refinancing to everyone in Illinois, regardless of their unique situations. No matter what might be holding you back from obtaining a loan from your bank or credit union, we can help. Unlike traditional lenders, we can work with people who are self-employed, paid in cash, have bad credit, have little to no income or assets, and even those who have previous bankruptcies or foreclosures. If your credit score is 500 or more, we will work hard to tailor a loan to your individual needs.

What Can We Offer?

We provide our clients with numerous purchase and refinance options that are designed to fit their individual needs and their unique situations. These include:

Conventional Mortgage & Refinance

Conventional mortgage and refinancing are quite popular among our Illinois clients. We work hard to provide a simple, painless experience that makes it easy for first-time homeowners or real estate investors alike. We offer competitive interest rates and flexible terms with clear requirements for borrowers.

FHA Loans

If you struggle to qualify for a conventional mortgage in Illinois, an FHA loan is an excellent alternative. These loans are backed by the Federal Housing Administration (FHA) and are great for first-time buyers because they provide the opportunity to pay between 3.5% and 10% down based on your credit score. FHA loans are available if your credit score is at least 500 and you can meet the borrowing requirements set forth by the FDA. FHA refinancing is also available in Illinois to qualifying homeowners.

VA Loans

Veterans, active service members, and the spouses of veterans or active service members who reside in Illinois can apply for VA home loans, which are partially backed by the US Department of Veterans Affairs (VA). Nearly 90% of all VA loans are made with a $0 down payment, and while they are easier to qualify for than a conventional mortgage, borrowers must still meet criteria set forth by the VA to qualify. VA mortgage refinancing is also available to qualified homeowners.

Jumbo Loans

Jumbo loans are an option when a property you want to purchase exceeds conforming loan limits set forth by Fannie Mae or Freddie Mac. Although interest rates are competitive with conventional loans, it’s important to note that the requirements you must meet are typically stricter.

Non-QM Mortgages

A non-qualifying mortgage (or non-QM mortgage) is an option for you if you struggle to meet the criteria to obtain a conventional mortgage. For example, if you are self-employed or you don’t have all the documents required to obtain a conventional mortgage, you might qualify for a non-QM loan in Illinois. The requirements, interest rates, and terms vary from one situation to the next, but EZ Lending Solution works hard to ensure that you get the loan that best suits your needs.

Commercial Loans

Now is an excellent time to buy commercial real estate in Illinois, and this could include anything from a multifamily apartment building to a warehouse. EZ Lending Solution can help you find the funding you need to acquire, refinance, or redevelop commercial properties, and we can even help you refinance commercial loans to suit your needs.

Aspiring home and property owners in Illinois have never had so many options available to help them get into the homes of their dreams. EZ Lending Solution can help you find the right loan type and terms based on your individual needs, and if you don’t quite meet the criteria for a mortgage today, we can help you get there.

Contact us today to schedule an appointment or apply for one of our many mortgage and refinance products.