Licensed Mortgage Guidance · New Jersey

Your bank quotes one rate. We shop twenty lenders to beat it.

EZ Access Mortgage is a licensed NJ broker — we compare programs across 20+ wholesale lenders to find the right fit for your purchase, refinance, or investment. Same-day pre-approval letters. Closings that stay on schedule.

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5.0 · 50+ NJ families helped
Company LicenseNMLS #1632012
State AuthorityLicensed by NJ DOBI
Typical ResponseUnder 1 Business Day
Programs AvailableFHA · VA · DSCR · More
0+Wholesale lenders shoppedWe find your best rate
FastPre-qualification letterDon't lose the home you want
EN · ESBilingual loan guidanceEnglish & Español
Where to Start

Start With Your Goal

Pick the path that matches where you are in the mortgage journey.

Buying My First Home

See program options tailored for first-time buyers and lower down payment goals.

See First-Time Options

Investing or Commercial

Review investment and commercial financing options designed for complex scenarios.

View Investor Programs

Not Sure Yet

Answer a few quick questions and get pointed to likely-fit options for your situation.

Help Me Choose

Real estate professional?

Same-day pre-approvals and reliable closings — we're the lender your clients will thank you for.

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Client Stories

What our clients say

“I appreciated the honesty and dedication with both closings. EZ Access Mortgage guided me through every step, answered all my questions, and made the mortgage process stress-free.”
Robert G
Homeowner
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Aerial view of a residential neighborhood

“Every neighborhood has a mortgage that fits — we find yours.”

Full Program Spectrum

Whatever your income profile, there's a path forward.

From payment assistance programs to HELOCs and second mortgages, we offer a full spectrum of options — conventional, FHA, VA, and DSCR, as well as solutions for stated income, self-employed borrowers, and W-2 income profiles. Our team is ready to guide you every step of the way and turn your real estate ambitions into reality.

Explore all programs →
ConventionalFHAVADSCR / InvestmentJumboCommercialStated IncomeSelf-EmployedW-2 IncomeDown Payment AssistanceHELOCSecond MortgageRefinanceCash-Out Refi
Self-Employed & Stated Income

Your income is real. Your options shouldn’t be limited.

Banks require two years of tax returns and penalize income growth. We work with stated income and stated asset programs designed for business owners, freelancers, and 1099 earners who don’t fit the traditional mold.

See self-employed options
Down Payment Assistance

Help getting to the front door — without depleting savings.

Payment assistance programs can reduce or eliminate the down payment barrier for qualified buyers. We identify the programs you may qualify for and build them into the overall loan structure.

Explore assistance programs
HELOCs & Second Mortgages

Use the equity you’ve built to do more.

Your home’s equity is a financial asset. Whether you’re funding a renovation, consolidating debt, or covering a major expense, a HELOC or second mortgage can be a smart alternative to refinancing your first mortgage.

Learn about HELOCs
Advisor Guidance

Not sure which program fits?

Talk through your goals with our team and get practical guidance on your best next step — no pressure, no commitment.

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Resources

Guides to help you decide with confidence

See all 6+ articles →
Fixed vs. adjustable-rate mortgages
Mortgage Basics

Fixed vs. adjustable-rate mortgages

Compare fixed and adjustable-rate mortgages side by side: how they work, what each costs over time, and which fits your financial goals.

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