EZFHA Mortgage Loans Review

BySarah BadaniJul.15, 2021
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In a Nutshell

EZFHA is an online mortgage loans marketplace. It works with homeowners to help them find competitive mortgage rates for new mortgage loans and refinancing options for current mortgages. Using a simple algorithm, EZFHA provides consumers a fast way to get multiple rate quotes simultaneously. So, it’s a real time-saver. EZFHA works with top names in the lending industry for reliable and secure mortgage loans.


  • Trusted network of lenders
  • No-fuss application form
  • Single application for multiple results


  • Can’t get details before you apply
  • Aren’t dealing directly with the lender

EZFHA at a Glance 

Direct lender or marketplaceMarketplace
Loan TypesPurchase and refinance
Featured LoansVaries based on lender
Repayment TermsVaries based on lender
Minimum Down PaymentVaries based on lender
Minimum Credit ScoreVaries based on lender
Suitable ForPeople who hate wasting time


EZFHA is a portal for homeowners to use when they are looking for a mortgage loan or refinancing options for their current loan. It’s a free service that provides you with quick results, so it’s really a no-lose situation. Fill out the form, get responses, and pick the most suitable one. It’s literally that simple.

Suitable For?

EZFHA is all about speed. The most frustrating part of looking for a mortgage loan is how much time it takes unnecessarily. You answer the same questions over and over again, wait for an answer from each potential lender, and spend hours combing through each website to see whether or not they offer the services you need.

EZFHA alleviates all of that time waste by doing the work for you. Here’s how:

  • You fill out one form.
  • You get multiple responses.
  • Only relevant lenders respond to your application.
  • You can quickly and easily compare rate quotes.
  • Everything is done online.

EZFHA is a good solution for people who are tired of wasting time.

Types of Loans/Products

Here's where things start to get a bit confusing for first-time borrowers. If you've never used a loan portal before, then you probably won't understand this important process. So, let's clarify it before we do anything else.

EZFHA is not an actual lender that will give you money for your mortgage loan. Instead, it is an aggregator that connects you with viable lenders that will give you the mortgage loan you’re looking for. Since this is the case, the types of loans on offer will vary depending on the specific lender. Some loan products available from EZFHA lenders include:

  • VA, FHA loans
  • ARM loans
  • Jumbo loans
  • Conventional loans
  • Fixed or adjustable-rate loans

Loan details:

  • Credit required: This varies from one lender to the next. Many lenders will only work with a credit score of 680 or higher. But there are several lenders in the EZFHA network that will work with much lower credit scores.
  • APR: Annual percentage rates fluctuate based on national rates. This is how much you'll pay per year for your loan in interest and fees. Rates vary considerably.
  • Eligibility terms: Eligibility terms may have a little fluctuation, but most are standard. Legal US citizen, of legal age (generally 18 depending on the state), and proof of income.

The Application Process

This is the main point of the EZFHA platform. A free service, EZFHA, lets you quickly fill out one application form. But instead of that form going to a single loan provider, EZFHA sends it out to a network of lenders. So, your chances of approval are exponentially higher, you end up dealing with only relevant mortgage loan lenders, and you didn't have to waste your time filling out multiple copies of the almost identical application form.

Rates and Fees – The Bare Basics

Rates and fees are major factors when it comes to taking out a mortgage loan. The better the rates, the less you'll pay out over the life of your loan. Fees are also important because even if you get a great rate, if you end up paying exorbitant fees, then it may cancel out any savings you might have received from the low-interest rate.

Repayment Terms

How long it takes to pay off your loan is determined by you and your lender. Some lenders have a set amount of time, and you cannot pay the loan back before that. If you do, you’ll have to pay a penalty fee for early repayment. Other lenders are more flexible and allow you to repay your loan whenever you can.

Regardless, EZFHA partners have a range of loan repayment options, including 10-, 15-, 25-, and 30-year loans.

Help & Support

EZFHA doesn’t have much in the way of customer service. You can fill out the email form on the website if you have specific questions. But really, you’re better off reaching out to the direct lender that you’re working with since they’ll have the answers to the most important questions concerning rates, loan terms, etc.


To sum things up, EZFHA is a good option for people who despise wasting their own time. If this is you, then you’ll love how fast and easy EZFHA is to work with. You’ll get multiple mortgage loan rate quotes with one shot. And most of all, it’s all free. With a large network of lenders, you’re bound to find one that offers the rates you’re looking for.


Q: Can you get approved for a loan with a poor credit score?

A: Absolutely. The beauty of working with a mortgage lender marketplace is that you have access to a wider range of lenders. While not everyone will, many of these lenders are willing to work with people who have little, no, or poor credit history. Bear in mind that this may come at the price of having to pay a higher interest rate. But at least there’s something to work with.

Q: What’s the difference between prequalified and preapproval?

A: Prequalification is simple. You can get that quickly with confirmation of income and down payment. Preapproval requires actual verification of these things, and this stage takes longer.

Q: What is a low doc loan?

A: A low doc loan is a loan that is made available to people who don’t have the proper documentation for a conventional loan. This is usually geared toward self-employed or other types of non-traditional workers.

Physical Address

LeadPoint, Inc.

12121 Wilshire Blvd., Suite 810

Los Angeles, CA 90025

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