Your Mortgage Journey in 5 Simple Steps
A smarter, faster mortgage process—handled upfront, so you can close with confidence and ease.
Step 1: Tell us more about you & your goals.
Apply online, over the phone, or in person. We'll discuss your goals and ask you a few questions to help us get started on finding the right solution for you.
Step 2: Let’s Get the Paperwork Done.
We’ll need a few documents to move forward, and we’ll guide you on exactly what’s needed. Uploading is quick, secure, and hassle-free through our portal.
Step 3: Structuring your path to homeownership.
After reviewing your documents and exploring your options, we’ll structure the ideal loan solution for your needs. Once everything is in place, you’ll be preapproved and ready to move forward.
Step 4: Dotting the I’s and Crossing the T’s.
Our underwriting team reviews your application to ensure it meets all program guidelines and lending requirements. It’s the final approval before moving ahead to closing.
Step 5: It's Official!
It’s time to sign the final documents and officially close. Whether it’s unlocking equity, moving into your dream home, or building your investment portfolio, your journey to homeownership starts here!
Real Stories, Real Results
Your success is our success.
5.0
"EHG Lending took the time to break down numbers for multiple potential homes and made sure we were comfortable with the numbers."
Mireya A.
"EHG Lending showed their commitment to getting me the best deal possible while also guiding and advising me along the whole process."
Roman C.
"EHG Lending far surpassed my expectations. I really appreciated their quick response, honesty, and transparency."
Gaby B.
States We Lend In
Primary, Secondary, & Investment Properties
Investment Properties Only
Frequently Asked Questions
-
What states does EHG Lending lend in?EHG Lending is proud to serve clients in a variety of locations. We’re licensed in Arizona to originate loans for primary and secondary homes. Additionally, we can originate investment property loans in Arizona and the following states: Alabama, Alaska, Arkansas, Colorado, Connecticut, Delaware, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Texas, Virginia, Washington, Washington D.C., West Virginia, Wisconsin, and Wyoming.
-
What credit score do I need to qualify for a mortgage?The credit score needed depends on the loan type: Conventional Loan: Typically 620+ FHA Loan: As low as 500 with a 10% down payment, or 580+ with 3.5% down VA & USDA Loans: No strict minimum, but 580-620+ is recommended Jumbo Loans: Usually 700+ Even if your score isn’t perfect, we have options to help you qualify. Click here to check your eligibility.
-
How much down payment do I need?It depends on the loan program: Conventional Loan: 3-5%+ down FHA Loan: 3.5%+ down VA & USDA Loans: 0% down (for eligible borrowers) Jumbo Loans: Typically 10-20% down If you’re short on cash, seller credits, down payment assistance, or gift funds may help.
-
How long does the mortgage process take?On average, the mortgage process takes 30-45 days, but it depends on the loan type and complexity. Here’s a breakdown: Pre-Approval: Same day - 24 hours Loan Processing & Underwriting: 1-3 weeks Appraisal & Final Approval: 1-2 weeks Closing: A few hours on signing day Need a fast closing? We offer rush processing for eligible borrowers. Apply now to get started!
-
How much are closing costs, and who pays them?Closing costs are typically 2-3% of the loan amount and cover fees like: Lender & origination fees Appraisal & credit report fees Title insurance & escrow fees Who pays? Buyers typically cover closing costs, but we negotiate seller credits to help reduce or eliminate them. In some cases, we can structure the loan so you pay little or nothing out of pocket. Want to see a breakdown? Request a quote here!