Mississippi is a beautiful and culturally-diverse state that offers magnificent real estate in both urban and rural settings. Here at EZ Lending Solution, our goal is to help individuals and families alike get the funding they need for the properties they love. We offer numerous mortgage and refinancing options in Mississippi designed to suit your unique needs, even if you have credit problems or previous foreclosures.
We Work with Everyone
Whether you are a multimillionaire interested in purchasing a large commercial property or a family looking to buy its first home, EZ Lending Solution is committed to providing each and every one of our clients with the customized home loans and refinancing opportunities they need to achieve their goals. Our wide range of products and services can be customized to suit your unique situation regardless of the challenges you may have faced in the past – even if other lenders have turned you down.
Our Competitive Products
In order to best serve our clients in Georgia, we offer a wide range of mortgages and refinancing opportunities. These include:
Conventional mortgages and refinancing are by far the most popular services offered in Georgia. Virtually every bank and credit union offers some sort of conventional option for aspiring homeowners who can meet the lender’s criteria. Different lenders have different requirements, interest rates, and term options, so it’s important to choose the right loan for your needs. EZ Lending Solution offers flexibility that many traditional lenders simply cannot, and that’s why our conventional loans are so popular across Georgia.
Military veterans and active duty members (as well as their spouses and widows) have access to home loans backed by the US Department of Veterans Affairs, or VA. These loans are ideal because they offer exceptionally low interest rates and term options, and 90% of borrowers pay a $0 down payment. VA loans are affordable and ideal for many veterans and their families in Georgia.
Georgia is also home to some incredible luxury properties, such as mansions in the heart of Atlanta and large homes on significant acreage in more rural areas. Conventional loans aren’t always enough to cover the asking price, and that’s where jumbo loans come into play. A jumbo loan can exceed the loan limits set forth by Fannie Mae and Freddie Mac to help you buy the home of your dreams.
If you have been turned down for a conventional mortgage, or if you cannot come up with the required down payment to qualify, FHA loans, which are backed by the Federal Housing Administration, might be a great alternative. Simply put, they have less stringent requirements than a conventional mortgage, and depending on your credit score (which must be above 500), down payments can vary between 3.5% and 10%.
Some of our Georgia clients cannot qualify for conventional or VA loans due to their inability to produce the necessary documentation, foreclosures or bankruptcies in their credit histories, or even something as simple as self-employment. A non-qualifying mortgage is designed to help you overcome these challenges and obtain the funding that you need at a price you can afford.
Buying a shopping center, factory, warehouse, office building, or apartment complex in Georgia requires a commercial loan, which is often based on different criteria than a conventional mortgage. Although credit and income is still considered, the revenue that the property will generate is also important here. EZ Lending Solution is committed to helping you acquire, refinance, or redevelop commercial properties in Georgia.
If you are struggling to find the right lender for your conventional mortgage or refinance, or if you simply cannot meet all the requirements, EZ Lending Solution is here to help. We work with people from all walks of life to achieve their dreams of homeownership, regardless of their credit history or employment type. To learn more about the various ways in which we can help you buy property in Georgia, or to apply for one of our loans, contact us today.