EZ Mortgage Guy - Mortgage Education

11/05/2025

10/06/2025

Most people don’t realize this…
Making just one extra mortgage payment a year can knock years off your loan and save a ton in interest.
It’s one of the easiest “wealth hacks” homeowners never use.

10/05/2025

For those of you trying to figure out your new home purchase with current interest rates, the Wall Street Journal has solved the problem for you.

09/18/2025

Let’s be real—mortgages can be confusing.

We talk to homebuyers every day who feel like the mortgage process is written in another language.
Closing costs, rates, loan estimates, underwriting… it’s a lot.

What part of the mortgage process has you scratching your head the most?

09/11/2025

Welcome, and thank you to the 321 of you already following.

Many of you have known me as “the mortgage guy.” That’s still true — I’ve been in the industry since 2006. But this page is no longer about promoting loans or asking for applications.

Going forward, this page is focused on mortgage education. My goal is simple: break down the process in plain English so you actually understand what’s going on, instead of feeling like you’re being talked over.

What you can expect here:

Clear explanations of confusing mortgage documents

Straight answers to common homebuyer questions

Myth-busting posts on credit, rates, and approvals

No fluff, no sales pitch — just clarity

If you’ve ever thought, “Why does this mortgage stuff have to be so confusing?” — this page is here to fix that.

Thanks for sticking around. Whether you’ve been here from the start or you just found the page today, I think you’ll find this next chapter a lot more valuable. Questions are always welcome — I’ll be using them to create new posts and guides.

— Ed
EZ Mortgage Guy
NMLS #1233552 | Educational content only

09/10/2025

ENOUGH IS ENOUGH!

09/09/2025

*Update for realtors and mortgage lenders*

It turns out literally half the jobs Biden bragged about creating…do not exist. The BLS just issued revised jobs data that show the economy is much, much weaker than anyone thought. It was the largest revision to jobs numbers in over 20 years. Ergo, the Fed may be cutting rates more aggressively than anticipated.

This is bad news for the economy, but good news for those who work in interest rate sensitive industries like mortgage/real estate.

09/04/2025

Very interesting. Why is no one discussing this?

08/31/2025

🤣🤣. Don’t do this!

07/10/2025