Get $100K–$500K in 7–10 days. Direct lender. No committee. No surprises.
A 2nd trust deed (also called a second mortgage) lets you borrow against your home's equity while keeping your existing first mortgage in place. Unlike a refinance, you don't disturb your primary loan—useful if you have a great rate or are in an ARM adjustment period.
At EZ Loans, we fund 2nd trust deeds for San Diego County property owners who need capital quickly and don't want to sell. Our straightforward underwriting means no appraisal required, no committee delays, and decisions made by one person: Erik Egelko.
Access equity for renovations, updates, or expansions—without selling or disrupting your first mortgage.
Tap into your primary residence equity to fund a down payment on your next rental property or real estate investment.
Fund a business expansion, equipment purchase, or working capital needs using your home's proven equity.
We skip the lengthy appraisal process. Our underwriters know San Diego County property values and move fast.
Erik reviews your file and makes the call. No committee. No endless back-and-forth. Direct, transparent decisions.
From initial call to paper check at closing—we move fast and keep you informed every step.
Transparent pricing. No origination fees, no surprise closing costs. You know the total upfront.
We focus on your home's equity, not credit scores. Strong equity position = better terms for you.
Deep expertise in San Diego real estate and CRE. We know the market, the neighborhoods, and what works.
Erik Egelko is a top-producing commercial real estate broker and investor in San Diego County with over $150 million in closed property transactions. A consistent top performer at one of the country's largest CRE firms, Erik brings institutional-level market knowledge to every lending decision.
After years of watching borrowers get buried in bureaucracy, Erik launched EZ Loans to bring common-sense private lending to San Diego property owners. When you call, you're talking to the person who writes the check. No middlemen. No committee meetings. Just straight talk and fast action.
Erik is also the founder of Palm Tree Properties and Egelko Enterprises, and hosts the EZ Deals Podcast covering commercial real estate topics.
Call or apply online. We'll discuss your property, equity position, and loan needs. No pressure—just honest conversation.
Gather your documents: title, recent mortgage statement, proof of income. We review and make a credit decision in 1–3 days.
Review and sign the promissory note and deed of trust. Your attorney (or ours) handles all paperwork and recording.
We wire or cut a paper check at closing. Money in your account within 24 hours of signing. Done.