Disclosures
Exactly what we are, and what we are not.
This page exists so there is no ambiguity about our role, how we are paid, or what we can and cannot do.
Our role
Easy Lending USA is not a lender, a bank, or a mortgage broker. We are a referral service that introduces real estate investors to independent private lenders. We do not make credit decisions, fund loans, take loan applications, or negotiate loan terms.
Any lender you are introduced to is an independent third party. They underwrite, price, approve and fund on their own criteria. We do not control their decisions and we do not act as their agent in extending credit.
Business purpose only
All loans referred through this site are for business purposes, secured by non-owner-occupied investment real estate, and made to business entities. We do not offer, arrange or refer consumer loans, owner-occupied financing, reverse mortgages, consumer home equity lines of credit, or any loan secured by a primary residence.
If your intended use is personal, family or household purposes, we cannot assist, and you should speak with a licensed mortgage professional.
How we are compensated
We may receive compensation from lenders when a referred transaction closes. We do not charge borrowers or partners any application fee, processing fee, document fee, or upfront fee of any kind.
Because our compensation depends on transactions closing, we have a financial interest in referred deals reaching closing. We disclose that plainly so you can weigh our statements accordingly.
States served
We currently accept referrals relating to property in the following states:
AL, AK, AR, CO, CT, DE, GA, HI, IN, IA, KS, KY, LA, ME, MD, MA, MS, MO, MT, NE, NH, NM, NC, OH, OK, PA, RI, SC, TX, VT, WA, WV, WI, WY
We do not currently accept referrals relating to property in other states. This list may change; the version on this page is the operative one.
No offer, no commitment
Nothing on this website is an offer or commitment to lend, or a solicitation for any specific loan product. Any rate, term, loan-to-value, timeline or other figure shown is indicative only and subject to underwriting. Actual terms depend on the property, the borrower entity, experience, leverage, market conditions and the individual lender.
No guarantees of outcome
We do not guarantee that any deal will be placed, approved or funded, or that funding will occur within any particular timeframe. Statements about typical timelines describe general experience, not a promise about your transaction.
Not professional advice
Content on this site is general information about how these financing structures work. It is not legal, tax, accounting, investment or financial advice, and it does not account for your circumstances. Consult your own qualified advisers before acting.
Third-party links
Where we link to outside resources, we do so because we think they are useful. We do not control that content and are not responsible for it.
Privacy
Information you submit is used to evaluate your scenario and, where appropriate, to introduce it to lenders who may be able to assist. We do not sell your information. Deal information shared with a lender is shared for the purpose of evaluating that transaction.