EZ Home Loans Now When top talent meets your homebuying needs, everything else seems to come together

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FAQs

Getting started can be daunting and it's only natural for you to have a lot of questions and while we always want you to view your team mates as resources, we ask that you check here first. Any time we have a popular question, this list gets updated!

When a file is CTC, what is the next step?

Once a file gets to the CTC stage, please email closing@ezhomeloansnow.com.

In your email, you will need to include the following information:

  • Borrower Name
  • Lender
  • Title Company Best Contact (Name, Email, and Phone Number)

The closing team at EZ HomeLoans will handle:

  • Helping title and the lender with balancing the Final CD
  • Making sure the closing and supplement documents are to title before closing
  • Sending out wire instructions for the company
  • Making sure the loans fund
  • They will update payroll once a loan funds

If you have further questions regarding this process, please email Crystal Helweg or Brice Ruthart.

I need help with dispute removals.

Below is a step by step process that will get you the results you need as quickly as possible from each of the major credit bureaus.

Equifax

  1. CallEquifax at 1-800-203-7843, there will be a brief recording and then alive agent will answer.
  2. The agent will ask you for a confirmation number, tell them you don’t have one and provide them with the info they are requesting. Name, social, address, etc.
  3. Advise the agent you need to get dispute comments removed from your credit report. Let the agent know which accounts are showing up in dispute, they will then submit a request to have these comments removed.
    **The agent may advise you that they need to stop the disputes before they are able to remove the dispute comments: Advise them yes that’s okay and to do whatever is needed to remove the dispute comments from your credit report.
  4. They will ask you for your email address so they can send you confirmation when the disputes are removed.
  5. Don’t trust the email confirmation and please call back the very next day to check if the comments have been removed. We have found if they are not removed by the next day Equifax did something wrong and you need to submit the request again.

Experian

  1. Call Experian at 1-855-246-9409.
  2. You will be prompted to input several pieces of personal identifying information (social security number, zip code, house number, date of birth, etc.).
  3. Select option 2 (for general questions regarding your credit report).
  4. Select option 1 (for questions about your credit report).
  5. Select option 1 (for general questions about your credit report).
  6. Let the agent know you need to a couple of “dispute comments” removed from your credit report. The agent will put in a request to have these comments removed.
  7. Again, please call back the very next day to check if the comments have been removed.  We have found that if they are not removed by the next day Experian did something wrong and you need to submit the request again.

Transunion

  1. Call Transunion at 1-800-916-8800.
  2. At the recording press option 0 to speak to a representative.
  3. An agent will answer asking how they can help you. Let the agent know you have accounts showing dispute comments and you need to have those comments removed.
    **Sometimes they will advise you that it can take 30 days, but it is usually removed in 24 hours or immediately
  4. Advise the agent you need all the dispute comments removed. If they make you identify which accounts please refer to the list above.
  5. They will mail confirmation to you at your mailing address when the disputes are removed.
  6. Again, please call back the very next day to check if the comments have been removed.  We have found if they are not removed by the next day Transunion did something wrong and you need to submit the request again.

Once you are able to call the credit bureaus the dispute verbiage is typically cleared in 24 - 72 hours. After 24-72 hours, you will need to call the credit bureaus a second time to verify that the dispute comments have officially been removed

**Calling back to verbally verify that the dispute remarks are cleared before having your lender pull is the most important step.
**After the bureaus verify all dispute comments have been removed then you can have your lender pull your new report.

Once you have completed all of these steps and have verbally confirmed that the verbiage is remove, please contact your lender or
Crystal Helweg ASAP to have a new credit report pulled.

Human Resources

We care very much about the well-being of our team and want to make sure that we all have access to all the tools necessary to feel safe, comfortable, and that we all know what is expected of us in order to maintain a safe, professional atmosphere wherever we are.

Below is a list of documents that are designed to help you as you navigate your career here at EZ HomeLoans Now.

BCBS ACA PLAN SBC S663CHC 2020.pdf
Dress Code.pdf
Employee Duties.pdf
E-Z HOME LOANS LLC ALLIED DENTAL VISION.pdf
Houston 2021 Work Calendar.pdf
Office Policy.pdf
Sexual-Harassment-policy.pdf
Blank Pipeline.xlsx
2.24.2021 Update on Loans once Cleared to Close.pdf

Processor Resources

COVID-19 Letter.pdf
Form-VAChildCareStatement.pdf
How to get Salary Key.pdf
Nearest Living Relative.pdf
VA Request for a COE.pdf

LOX

ACCESS LETTER.pdf
Inquiry Letter.pdf
Letter of Explanation - Addresses Differnt on ID.pdf
Letter of Explanation - Cash Out Refi.pdf
LETTER OF EXPLANATION - Employment Gap.pdf
Letter of Explanation - Income - Why income is differnt from current and from Last Year.pdf
Letter of Explanation - Name Variations.pdf
LETTER OF EXPLANATION - Why I have Overdrafts.pdf
LETTER OF EXPLANATION -FORECLOSURE.pdf
Letter of Explanation-Large Deposits.pdf
Letter of Explanation-Social Security.pdf
LETTER OF INTENTION.pdf
LOE- for HOA.pdf
LOE- for working at home.pdf
LOX -Address explantion to be Signed.pdf
LOX for Bank Acocunt to be sign.pdf
LOX for Bank Acocunt to be signed.pdf
LOX For HEL.pdf
LOX For How I Found the House for Sell By Owner.pdf

Blank Fillable Forms

Address History for the Last 24 Months.pdf
Blank CC Auth Form.pdf
Blank Gift Letter.pdf
Blank Insurance Request.pdf
Blank Payoff Request.pdf
Blank PVOE.pdf
Blank Title Request.pdf
Blank VOE.pdf
Blank VOR OR VOM.pdf
Borrowers Auth.pdf
Copy of Payoff Request.pdf
Employment History Worksheet.pdf
Engineering Report Credit Card Authorization Form.pdf
Fax Cover Sheet.pdf
FHA Case # Transfer.pdf
FHA Disclosures Amendatory Clause Real estate Certification.pdf
GIFT OF EQUITY LETTER.pdf
Nearest Living Relative.pdf
NOTE TO UNDERWRITER.pdf
Payoff Request.pdf
SSA-89 blank.pdf
VA Request for a COE.pdf

Products

Below is a list of documents that are designed to help you as you navigate your career here at EZ HomeLoans Now.

Second Lien

MFH

MFH housing check.pdf
SOL - Man. Homes.pdf

Texas A(6)

2018-Home-Equity-Manual.pdf

VA

Residual Income training.pdf

Lender Resources

Equity Primte Mortgage Work Flow.pdf
AE Contact List.pdf
LDWholesale_Fast_Facts_1.pdf

REMN Files

Automated Underwriting System (AUS) Submission.pdf
Docs to Include with Initial Submission Package.pdf
HUB Common Questions.pdf
Loan Status Chart.pdf
Minimum Submission Requirements (2).pdf
Quick Start Guide.pdf
REMN Information Email.pdf
REMN Prepared Initial Disclosure Package.pdf

Letterhead and Fax Cover Pages

Fax Cover Sheet.doc
Houston Letterhead.doc
Southlake Letterhead.doc

Income Calculation Resources

Income Calculation Worksheet.xlsx
Income Worksheet.xls
Rental Income Form 2-2020.xlsm.xlsx
Self- Employment Calculator.xlsm.xlsx
VA_Loan_Amount_Calculator_2014.xlsm.xlsx

FHA Case Number Resolution

FHA Cancellation Request.PDF
FHA Case Number Delete Letter.pdf
FHA Case Number Transfer.pdf

TRID

TRID Three Day Closing Disclosure Rule.pdf

If you have any further questions don't hesitate to ask Crystal Hedweg or Brice Ruthart.

We have offices in the following locations and we're growiing every day!

Arizona Mortgage Broker License number (MB - 1016275)