Business Details
36 Years
experience
Trusted Mortgage Broker Services in Toms River, NJ
Established in 1990, Easy Mortgage Solutions has built a reputation as a trusted partner in mortgage lending, serving clients across local, regional, and national markets. Our team of experienced professionals leverages innovative technology to deliver timely, customized mortgage solutions without compromising on quality or service. We specialize in a wide range of loan products, including conventional, DSCR, FHA, and commercial loans, alongside modification programs designed to meet diverse financial needs. With a commitment to integrity and affordability, we prioritize client satisfaction through transparent communication and competitive rates. Our expertise extends to investment property financing, new construction loans, and asset-based lending, ensuring comprehensive support for both individual and commercial borrowers.By maintaining rigorous standards of customer service, we have cultivated long-term relationships with clients seeking reliable mortgage guidance. Our focus on affordability and accessibility has empowered countless homeowners to achieve their goals, whether through purchase, refinance, or loan restructuring. As a one-stop shop, we streamline the mortgage process while upholding our core values of experience, professionalism, and community stewardship. Our teams deep understanding of evolving market guidelines enables us to navigate complex transactions with precision and efficiency. From initial application to closing, we remain dedicated to delivering tailored solutions that align with each clients unique financial landscape.
Services
DSCR Loans
Investment Property Loans
Loan Modifications
Commercial Loans
Construction to Perm Loans
New Construction Loans
Stated Income Loans
Multi-Unit Purchase Loans
Hotel & Motel Refinance
Asset-Based Loans
Details
- Year established: 1990
Highlights and features
- We offer same-day loan approvals for qualified applicants.
- Our team specializes in DSCR and non-owner occupied commercial loans.
- We provide financing for 1-60 unit properties with flexible terms.
- Our renovation loans allow up to 100% LTV with interest-as-disbursed options.
- We maintain partnerships with lenders offering rates starting at 4.99% for 30-year fixed loans.
Services
DSCR Loans
DSCR loans evaluate rental income potential rather than borrower income for investment properties. These programs allow non-owner occupied financing with minimum 0.75 debt service coverage ratios. Borrowers with FICO scores above 620 qualify for terms up to 30 years with competitive interest rates starting at 4.99%. The program accommodates 1-4 unit properties and select commercial real estate.
Investment Property Loans
Specialized financing for residential and commercial investment properties with flexible terms. Available for 1-60 unit portfolios including single-family homes, condos, and multi-family buildings. Loan amounts range from $100,000 to $1,500,000 with LTV options up to 80%. Features include 5/1 ARM or 30-year fixed options with prepayment penalties standard for 3 years.
Loan Modifications
COVID-19 relief and standard modification programs to reduce monthly payments. Services include interest rate reductions, term extensions, and principal forbearance. Designed for borrowers facing financial hardship with existing mortgages. Requires documentation of current financial status and property ownership verification.
Commercial Loans
Commercial financing solutions for business properties and investment portfolios. Programs include DSCR-based underwriting, asset-based lending, and bridge financing. Terms available from 12-24 months with no prepayment penalties. Minimum 620 FICO required with loan amounts up to $1.5 million for qualified applicants.
Construction to Perm Loans
Integrated financing for ground-up construction and permanent mortgage conversion. Offers up to 90% LTC and 80% ARV with interest-only payments during construction. Available for residential and select commercial projects with minimum 620 credit scores. Streamlined process from approval to permanent financing.
People
Joseph
Joseph leads mortgage operations at Easy Mortgage Solutions, bringing extensive experience in loan origination and financial restructuring. He specializes in investment property financing and commercial loan programs.
Questions
What loan programs do you offer for investment properties?
We offer DSCR loans, conventional mortgages, and asset-based financing for 1-60 unit investment properties with competitive rates and flexible terms.
Can I qualify for a mortgage with a 620 credit score?
Yes, we offer programs starting at 620 FICO with options for conventional, FHA, and commercial loans depending on property type and financial profile.
Do you provide financing for new construction projects?
Yes, we offer construction-to-permanent loans with up to 90% loan-to-cost ratios and streamlined transition to permanent financing upon project completion.
Are there prepayment penalties on your mortgage products?
Some programs include 3-year prepayment penalties, particularly for investment property loans and long-term fixed-rate mortgages.
How does the loan modification process work?
Our modification specialists review financial hardship documentation, current mortgage terms, and property value to restructure payments through interest rate adjustments or term extensions.
What states do you service for mortgage loans?
We provide mortgage solutions in 45+ states including major markets in the Northeast, Southeast, Midwest, and West Coast regions.
