EasyRate

Purchase · Refinance · Home Equity

Mortgages done the easy way

Get a personalized rate estimate in minutes and one dedicated loan officer who stays with you from application to closing. No pressure, no surprises - just a clear path forward.

Estimate a payment

EasyRate LLC · NMLS #2872449

Buy a home

Know your budget and shop with confidence.

Refinance

Lower your payment or change your loan terms.

Use your equity

Tap into the value you've built with cash-out or a HELOC.

How it works

The Easy Way

Clear numbers up front, one loan officer start to finish, and answers whenever you need them.

Fast pre-approval

Get your application reviewed fast, so you can shop knowing what you qualify for.

One dedicated loan officer

You work directly with EasyRate from your first question to closing day with no call-center handoffs and no starting over.

Know your rate, know your cost

Clear numbers, itemized and explained. You'll always understand what you're paying and why before you commit.

Updates at every step

No wondering where your loan stands. You'll get consistent, plain-English updates through the entire process.

Easy for agents

Working with a client? Once your borrower authorizes us to share their file, we'll keep you current on the milestones that affect your closing, so you can keep your deal on track.

The easy way

A streamlined, modern application built to keep things moving, so you spend less time waiting and more time planning.

A borrower's loan information is confidential. EasyRate shares it with a real estate agent, or any other third party, only when the borrower has authorized the disclosure and only to the extent of that authorization.

Loan programs

Flexible financing options for different buyers

From first-time buyers to self-employed borrowers and investors, there's likely a program that fits.

View all programs

Conventional

Flexible financing for well-qualified buyers, with down payments as low as 3%.

FHA

Lower down payments and more forgiving credit requirements, backed by the FHA.

VA

For eligible veterans and service members, often with no down payment and no monthly mortgage insurance.

Jumbo

Financing above conforming limits for higher-priced homes.

Rate & term refinance

Restructure your existing mortgage to a term that better fits your goals.

Cash-out refinance

Tap into your home's equity for renovations, home improvements, or major expenses.

EasyRate is not affiliated with an agency of the federal government, HUD, FHA, or the VA. THIS IS NOT A GOVERNMENT DOCUMENT. HUD, FHA, or the VA did not distribute or approve this material.

Reviews

What clients say

Five-star reviews from buyers and homeowners who worked with EasyRate.

“Not only does William allow me to ask a million questions along the way, he never got frustrated with me. He was always available when I needed something and truly made this process easy, stress free and actually enjoyable.”
Kayla
“Will and his team were very on top of my process. He always knew where we were and how to efficiently and quickly move us to the next step. I've financed many homes, vehicles and miscellaneous things in my lifetime; this was by far the best experience I have ever had.”
Bill
“Will was on the ball with everything. Very informative and up front on everything. Made this process as easy as possible. Was always available.”
Stephen
“Will was awesome. He was immediately responsive, exceedingly helpful, and truly professional.”
Tim
“We are a retired couple with no earned income. Will was remarkably helpful in securing both a first mortgage on a new house and refinancing the mortgage on our old house to act as a bridge loan — both in an unbelievably short period. It was a pleasure doing business with Will.”
David
“Will Schaffer is a very supportive and patient person to work with. I know he worked hard with me to refinance my house. I appreciate his hard work and would highly recommend him.”
Lori R.
“At first I was hesitant because a lot of people over promise and under deliver, but Will delivered and exceeded my expectations. Not only did he get it done when nobody else could, he closed my loan quickly.”
David
“Will was very knowledgeable and very friendly. Loved speaking with him. He made it easy and explained through each process. Even if I was frustrated he reassured and was honest.”
Dawn

These are actual testimonials from real clients who worked with EasyRate, submitted through a third-party review platform. Reviews reflect each client's individual experience and are not a guarantee of any outcome. No compensation was provided in exchange for these reviews.

See what you qualify for

Start your application in minutes or reach out with a question. EasyRate will walk you through your options with no obligation.

Call (888) 241-9355