Mortgage Solutions for Real Estate Investors
No Roadblocks, No Extra Paperwork. Just Easy, Investor-Friendly Loans.
Long Term Rental Loans
Designed for investors seeking to finance or refinance residential rental properties with extended terms, these loans offer stable, long-term financing solutions.
Short Term Rental Loans
Ideal for properties intended for short-term rentals, such as those listed on platforms like Airbnb or VRBO, these loans provide flexible financing options for purchasing or refinancing to maximize rental income.
Hard Money (Bridge) Loans
These short-term loans assist investors in quickly acquiring properties, serving as interim financing until permanent funding is secured or the property is sold.
Fix & Flip Loans
Tailored for investors aiming to purchase, renovate, and resell properties for profit, these loans offer flexible terms, competitive rates, and expedited closing to support efficient project execution.
Ground Up Construction
Loans
Structured for investors undertaking new construction projects, these loans provide financing solutions customized to the unique requirements of building residential properties from the ground up.
Where We Lend
See where we lend and explore your options.
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.
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!
EHG Lending LLC, NMLS #2153863 is an Equal Housing Lender - © 2025 All Rights Reserved. Programs are for select loan types only and are not available in all states or locations.