Legal
EZ Loans is a private direct lender, NOT a bank. We are a subsidiary of Egelko Enterprises and operate as a licensed private mortgage lender in the State of California.
Business Address:
2525 Camino Del Rio South, #305
San Diego, CA 92108
Phone: 619-616-7332
Email: erik@egelko.com
EZ Loans is registered with the Nationwide Multistate Licensing System (NMLS) under NMLS #2543934. You may verify our registration and company information at www.nmlsconsumeraccess.org.
EZ Loans is subject to California state lending regulations. As a private lender engaging in second trust deed lending in California, we operate under California Code of Civil Procedure and California Financial Code provisions governing private lending activities. We are registered with and subject to regulatory oversight by applicable California state agencies.
EZ Loans specializes in private second trust deed loans in San Diego County. Our typical loan range is $100,000 to $500,000, with terms customized based on individual borrower circumstances, property details, and underwriting approval.
ALL LOANS ARE SUBJECT TO UNDERWRITING APPROVAL.
Loan terms, including but not limited to interest rates, loan amounts, repayment schedules, and fees, are not pre-set or guaranteed. Specific terms depend on:
Interest rates offered by EZ Loans are subject to change and are not guaranteed until formal loan approval and rate lock. Rates vary based on:
Any rate quotes provided are estimates only and subject to revision during underwriting.
Borrowers will be provided with a detailed Loan Estimate and itemized fee schedule during the application process. All fees and closing costs will be clearly disclosed before loan closing. Fees may include but are not limited to underwriting fees, processing fees, appraisal fees, title fees, escrow fees, and recording fees.
EZ Loans is an Equal Housing Opportunity Lender. We are committed to providing equal access to credit and lending services without regard to race, color, national origin, religion, sex, familial status, disability, sexual orientation, gender identity, marital status, age, or any other characteristic protected by federal, state, or local fair lending laws. Lending decisions are made based solely on creditworthiness, ability to repay, property value, and other legitimate business criteria.
EZ Loans operates as a private direct lender under California law. Private lending is distinct from traditional bank lending and carries different terms and conditions. Borrowers should understand that second trust deed loans are secured by real property and failure to repay could result in foreclosure.
We comply with all California fair lending laws, including but not limited to the California Fair Employment and Housing Act (FEHA) and California Department of Fair Employment and Housing (DFEH) regulations. Borrowers who believe they have experienced discrimination may file complaints with the California Department of Fair Employment and Housing.
California residents have privacy rights regarding their personal and financial information. Please refer to our Privacy Policy for details about how we collect, use, and protect your information. You have the right to request access to, correction of, or deletion of your personal information.
If a borrower defaults on a loan, EZ Loans may pursue collection remedies available under California law, which may include but are not limited to judicial or non-judicial foreclosure. Borrowers have rights under California foreclosure laws, including the right to reinstate the loan or request a loan modification.
Second trust deed loans are secured by a second lien position on real property in San Diego County. Key points borrowers should understand:
EZ Loans is a private direct lender, not a federally insured bank. Loans made by EZ Loans are not FDIC insured. Borrowers are not entitled to the same protections and regulations that apply to traditional bank loans, though we do comply with all applicable state and federal lending laws.
EZ Loans operates as a subsidiary of Egelko Enterprises. While EZ Loans is the entity providing lending services and holding loan agreements, the parent company provides operational and financial support.
EZ Loans operates in compliance with:
If you have questions about EZ Loans' lending practices, disclosures, or compliance, please contact:
EZ Loans Compliance & Questions
Email: erik@egelko.com
Phone: 619-616-7332
Address: 2525 Camino Del Rio South, #305, San Diego, CA 92108
NMLS #2543934
To verify our NMLS registration or file a complaint, visit www.nmlsconsumeraccess.org or contact your state regulatory authority.
Effective Date: January 1, 2026
EZ Loans reserves the right to update these disclosures as regulations change or as required by law. Current disclosures are always available on our website.