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No credit pull ~30 seconds Conventional · FHA · VA · Jumbo · Non-QM · DSCR · 2nds · Private

Rates published Tue Oct 6, 2026 at 3:48 PM ET — updated hourly on business days.
Priced from today’s wholesale rate sheets from 3 lenders (47 rate ladders). Programs without a sheet dated today show “Call for pricing.”

Your scenario

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Property & loan

Property state Loan purpose Occupancy Property type Veteran / active military? For VA loan options Est. credit score (FICO) 500–850 · you enter it — we don’t pull credit Est. property value ($)

Loan amount or LTV

Desired loan amount ($)

Est. LTV %

Income path

How you show income Gross monthly income ($) Your income before taxes · for DSCR / investment use gross rents DSCR ratio (optional) If you know it — e.g. 1.00

Optional details (better pricing)

Monthly rent ($) (if different from GMI above) Investment / DSCR override Lien position Current 1st mortgage balance ($) For a 2nd mortgage — lets us figure combined LTV Timeline Citizenship / residency I consent to receive SMS about my inquiry from EZ Direct Loans. Msg/data rates may apply. Reply STOP to opt out.

Your illustrative results

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Rates quoted are based on the estimated credit score you provided and may change once credit is verified.

Important

Illustrative pricing only from wholesale rate sheets on file. Not a commitment to lend. Final rate, points, and approval depend on verified credit, full underwriting, LLPAs, property, and investor overlays. Estimated score you entered is not a credit pull.

Kevin McQuown · EZ Direct Loans · Cell (949) 433-2946 · kevin@ezdirectloans.com · NMLS #218384 | Co. NMLS #1784844

These are estimates, not a commitment to lend. Rates quoted are based on the estimated credit score you provided and may change once credit is verified.

= Equal Housing Opportunity