When You Call EZ Loans, You're Talking to the Person Who Writes the Check

A Top CRE Broker Turned Direct Lender

Erik Egelko is a top-producing commercial real estate broker and investor in San Diego County with over $150 million in closed property transactions. Since entering the industry in 2015, Erik has specialized in investment property sales across a wide variety of asset types—retail shopping centers, multifamily apartment complexes, office buildings, industrial properties, and vacant land.

Erik has been a top-producing investment sales agent at one of America's largest CRE firms, earning consistent recognition for his deal volume and market expertise across San Diego County. That institutional-level market knowledge—understanding valuations, deal structures, and neighborhood dynamics—directly informs every lending decision he makes at EZ Loans.

After years of watching borrowers get buried in slow processes, hidden fees, and committee-driven approvals, Erik launched EZ Loans as a private mortgage fund focused on originating 1st and 2nd trust deeds for real estate investors and homeowners. He personally reviews every application and makes every lending decision. When you call EZ Loans, you get the founder—not a loan officer, not a committee, not an automated system.

Erik is also the founder of Palm Tree Properties, a San Diego-based property management company, and the parent company Egelko Enterprises, which oversees his real estate, lending, and investment operations. He hosts the EZ Deals Podcast, where he covers commercial real estate topics and interviews industry experts.

Proven Experience in San Diego Real Estate

$150M+

CRE Transactions

Total value of closed commercial real estate transactions across retail, multifamily, office, industrial, and land throughout San Diego County.

Since 2015

CRE Experience

Nearly a decade of investment property sales across retail, multifamily, office, industrial, and land in San Diego County.

Direct

Decision Maker

Every loan is personally reviewed and approved by Erik. No committees, no middlemen, no automated underwriting systems.

7–10

Days to Funding

Average time from initial call to paper check at closing. No appraisal delays. No committee meetings. Direct decision-making.

Erik Egelko's Business Ecosystem

EZ Loans is one piece of Erik's broader real estate and investment portfolio. Here's how his companies work together to serve San Diego property owners:

EZ Loans

Private 2nd trust deed lender providing direct capital for homeowners. $100K–$500K loans, 7–10 day close, no appraisal required.

Palm Tree Properties

Real estate investment and development company. Acquires, renovates, and manages residential and commercial properties in San Diego County.

Egelko Enterprises

The parent company overseeing Erik's real estate, lending, and investment operations. Focused on ethical business practices and community impact.

Four Principles That Guide Every Decision

Equity First

We focus on the strength of your home's equity, not credit scores alone. If you have significant home equity, we can usually work with you—even if traditional lenders turned you down.

Common-Sense Lending

No jargon. No hidden fees. No committee meetings. Just straightforward terms, transparent pricing, and honest conversations about what you can afford.

Speed Without Shortcuts

We move fast—7–10 days to funding—but we don't cut corners on due diligence. Your loan is properly underwritten by someone who understands San Diego real estate.

Direct Relationship

When you call EZ Loans, you're talking to Erik. He reviews your file, makes the decision, and stands behind every loan. No middlemen. No runaround.

Giving Back to San Diego

Beyond lending and real estate investment, Erik believes in supporting the San Diego business and real estate community. Through the EZ Deals Podcast, he shares market insights and interviews industry experts on topics from hard money lending to commercial mortgages. He actively mentors emerging real estate professionals and participates in industry forums focused on ethical lending practices and market transparency.

EZ Loans is proud to be a local, San Diego-based lender. We understand the neighborhoods, the market dynamics, and the real estate challenges unique to our community. When you work with us, you're supporting a local business committed to the long-term health of San Diego's real estate market.

Ready to Talk With Erik?

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619-616-7332

Monday–Friday, 9am–5pm PST

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