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Wholesale Broker · 100+ Lenders

Home financing,done easier.

We shop 100+ wholesale lenders so you don't pay retail bank rates — more options, faster closings, and a smoother process than any bank can offer.

Instant rate estimate • No credit check
100+Wholesale lenders
5★Client rating
7-DayClosings
Most Popular

HELOC

Tap your home equity without refinancing. Keep your existing mortgage rate. Close in as few as 5 days.

MAX LINE$1M
MAX CLTV90%
FASTEST CLOSE5 days
DRAW PERIOD10 yrs
Full guide →
For Investors

DSCR Loans

Qualify on rental income alone. No W2s, no tax returns. Built for real estate investors scaling their portfolio.

LOAN AMOUNTUp to $3M
INCOME DOCSNone
MIN DSCR.75
LLC ALLOWEDYes
Full guide →
Our products

Every loan type, one broker

HELOC
Access a revolving line of credit against your home’s equity — use what you need, when you need it. 7-day closings available.
How it works →
DSCR Loans
Qualify using your rental property’s income — not your personal income. Ideal for real estate investors scaling their portfolio.
How it works →
Cash-Out Refinance
Replace your mortgage and pull out equity as cash. Fund renovations, consolidate debt, or invest — up to 80% LTV.
How it works →
Purchase
Buy your next home with the best rate from 100+ wholesale lenders. Same-day pre-approval. Fast, smooth close.
How it works →
Refinance
Lower your rate or shorten your term without taking cash out. No-cost options available. 5–30 year terms.
How it works →
FHA / VA Loans
Government-backed programs with flexible credit and low down payments. FHA from 3.5% down. VA with 0% down for eligible veterans.
How it works →
Home Equity Agreement
Access equity without monthly payments. Share a portion of future appreciation instead. No income verification required.
How it works →
Making Mortgage Easy
Making Mortgage Easy
100+
Wholesale lenders
5 days
Fastest close
$0
Rate quote cost
CA
Licensed statewide
NMLS# 1082653 · DRE# 02244476
Shield Home Loans Inc. NMLS# 2396589
Our mission

Making mortgage simple for every borrower

Making Mortgage Easy exists to level the playing field. For too long, the best mortgage rates and lender options were reserved for insiders — people who knew a guy, worked at a bank, or had a broker on speed dial.

We changed that. As a licensed wholesale broker, we give every borrower access to 100+ institutional lenders — the same pricing and programs used by the largest investors in the country. No markups. No runaround. Just the best available rate, found and closed for you.

Wholesale pricing — not retail bank rates marked up for profit
One broker who works for you — not the lender, not the bank
Full transparency — no hidden fees, no bait-and-switch rates
View Zillow Reviews
FAQ

Common questions,
straight answers.

A wholesale mortgage broker works with wholesale lenders on your behalf to find the best rates and terms. Unlike retail banks, wholesale brokers have access to 100+ lenders — meaning more competition for your loan and typically lower rates than going directly to a bank.

Making Mortgage Easy can close HELOC loans in as few as 5 days. Purchase and refinance loans typically close in 15–21 days depending on the loan type and lender. DSCR loans for investors generally close in 14–21 days.

No. Getting a rate quote is a soft credit pull and will not affect your credit score. A hard pull only occurs when you proceed with a full loan application and provide explicit written authorization.

A DSCR (Debt Service Coverage Ratio) loan lets real estate investors qualify based on rental property income — not personal income. No W-2s or tax returns required. You qualify when your property's rental income covers the mortgage payment (typically a DSCR ratio of 1.0 or higher).

Yes. Making Mortgage Easy is a licensed wholesale mortgage broker in California. NMLS# 1082653, DRE# 02244476. You can verify our license at nmlsconsumeraccess.org.

A HELOC is a revolving line of credit you draw from as needed — similar to a credit card secured by your home. A Cash-Out Refinance replaces your existing mortgage with a new, larger loan and you receive the difference in cash. A HELOC typically closes faster and keeps your existing first mortgage rate intact.

Get Started Today

Ready to see what you qualify for?

Search your address and we’ll match you with the best rates from 100+ wholesale lenders — no credit pull, no obligation.

Investor Loans

What is a DSCR Loan?

A DSCR loan lets real estate investors qualify based on the rental income of the property — not their personal income. No W-2s. No tax returns. Just cash flow.

No Personal Income Required

Qualify based solely on the rental income of the subject property. Perfect for self-employed investors, retirees, and high net-worth borrowers who prefer not to disclose personal income.

Multiple Property Types

Eligible for single-family homes, 2-4 unit properties, condos, townhomes, and short-term rentals (Airbnb/VRBO). Expand your portfolio without income limitations.

Scale Your Portfolio Faster

Traditional loans limit how many properties you can finance. DSCR loans evaluate each property independently, letting you scale without hitting conventional loan limits.

Fast Closings

Because we're not waiting on tax returns and pay stubs, DSCR loans move faster. Typical closing time is 14–21 days through Making Mortgage Easy's wholesale lender network.

How the DSCR Ratio Works

Monthly Rental Income
Monthly Debt Obligations (PITIA)
A DSCR of .75 means the property breaks even — income covers the payment.
Most lenders require 1.0 or higher. A ratio of 1.25+ gets the best rates.

DSCR vs. Conventional Loan

DSCR Loan (Making Mortgage Easy)

No W-2s or tax returns required
Qualify based on rental income only
No limit on number of properties
Closes in as few as 14 days
Available for short-term rentals

Conventional Investment Loan

Requires full income documentation
Personal DTI limits borrowing power
Fannie Mae caps at 10 financed properties
Longer underwriting timelines
Short-term rental income often excluded
Ready to Invest?

See if your property qualifies

No personal income needed. We'll shop your scenario across 100+ wholesale lenders.

Free Tools

Tools & Calculators

Run the numbers before you call. These calculators give you a real picture of your monthly payment, borrowing power, and debt load.

Mortgage Payment

Estimate your monthly principal & interest payment based on loan amount, rate, and term.

Est. Monthly Payment
$—
Principal & Interest only
Loan Amount—
Total Interest Paid—
Total Cost of Loan—
Est. Property TaxAdd 1–1.25% annually
Est. Insurance~$100–200/mo

HELOC Calculator

Estimate how much you can borrow from your home equity and what the monthly draw payment looks like.

Max HELOC Available
$—
Based on LTV and current balance
Available Equity—
Max Borrowable—
Monthly Interest (draw)—
Draw Period10 Years
Repayment Period20 Years

Debt-to-Income (DTI)

Lenders use your DTI to assess how much debt you carry relative to your income. Most programs require under 43–50%.

Your DTI Ratio
—%
Enter your numbers above
Front-End DTI—
Back-End DTI—
Conventional Max43–50%
FHA Max57%
DSCR LoansNo DTI limit

Cash-Out Refinance

See how much cash you can pull out and what your new monthly payment would be.

Cash Available
$—
At 80% LTV max
New Loan Amount—
New Monthly Payment—
Available Equity—
Max LTV80%

DSCR Calculator

Find out if your rental property qualifies for a DSCR loan and what ratio you'd come in at.

Your DSCR Ratio
—
Enter your numbers above
Monthly PITIA—
Rental Income—
Min to Qualify0.75 DSCR
Best Rates1.25+ DSCR

Affordability Calculator

Find out how much home you can afford based on your income, debts, and down payment.

Max Home Price
$—
Based on 43% DTI
Max Loan Amount—
Max Monthly Payment—
Monthly Income—
DTI Used43%