Disclosures

Licensing

EasyRate LLC — NMLS #2872449
William Schaffer, Mortgage Loan Officer — NMLS #1709449, sponsored by EasyRate LLC
400 N Tampa St STE 1550 #741054, Tampa, FL 33602
Licensed mortgage broker in Florida.

For licensing information, go to www.nmlsconsumeraccess.org (opens in a new window).

Equal Housing Opportunity

EasyRate does business in accordance with federal fair lending laws and the Fair Housing Act. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, or any other basis prohibited by law.

Credit disclaimer

Information is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. For licensing information, go to: www.nmlsconsumeraccess.org

Rates and estimates

This website does not publish, quote, or advertise current mortgage rates. Any rate used in a calculator on this site is a value you enter yourself for illustration. Figures shown are estimates only and are not a rate quote, an APR, a pre-approval, or a commitment to lend.

Government loan programs

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.

The VA guaranty protects the lender against loss; it is not insurance for the borrower and does not guarantee approval of your loan.

Alternative documentation programs

These products may have a higher interest rate, more points or more fees than other products requiring documentation.

Program names describe how an application may be documented, not a determination that you qualify. Eligibility, documentation requirements, occupancy, business-purpose status, property cash flow, lender guidelines, and pricing vary by program and by applicant, and every loan remains subject to underwriting and credit approval. DSCR and similar investor programs are generally secured by non-owner-occupied property and made for business purposes. Whether a particular transaction is business-purpose depends on the facts, including how the loan proceeds are used, and a business-purpose loan is not subject to the consumer mortgage protections that apply to credit extended primarily for personal, family, or household use. Ask EasyRate which category your transaction falls into before you apply.

Refinancing and consolidation

Applicant should not assume that any debt will be eliminated by refinancing or paying on balances since the debts are consolidated into a new loan. Reduction in payments may reflect longer loan terms and your total finance charges may be higher over the life of the loan. The actual amount of savings may vary.

Testimonials

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.

Advertising records

EasyRate LLC retains records of the advertising content published on this website. Every revision of every page, including calculators, published testimonials, and application callouts, is preserved in the site's source-control history, and each published version of the site is preserved in its deployment history, covering both the staging and production environments. Those records, and the materials substantiating the claims made in them, are retained for at least two years after the version in question was last in use, and are available to the Florida Office of Financial Regulation and other regulators on request. This practice covers content published on this website. Content hosted by third parties, including the review platform where client reviews originate and the provider that hosts our online loan application, sits outside these systems and is subject to those providers' own records and retention practices.