Buying a home
Compare conventional, FHA, VA, and USDA programs and understand what fits your plans — from your first questions to closing day.
Purchase loans
Free consultation · New Jersey & Pennsylvania
A Clearer Way to Explore Your Mortgage Options
Luis Herrera helps buyers, homeowners, and investors across NJ and PA understand purchase, refinance, home-equity, and investment-property options from multiple lenders — explained in plain English. Your consultation is free.
- Plain-English guidance
- Options from multiple lenders
- Direct access to Luis
Serving New Jersey & PennsylvaniaCompany NMLS #2679112
Equal Housing OpportunityMortgage goals
Financing built around your goal
Whatever brought you here, there's a path for it. We'll talk through the options that match what you're trying to do — no pressure, and no need to share sensitive financial details to get started.
Access to hundreds of loan products. As a broker, EZ Way works with many wholesale lenders — so you can compare available options rather than settle for a single bank's menu.
Refinancing
Look at rate-and-term and cash-out scenarios side by side, and see how different structures compare for your situation.
Rate-and-term · Cash-out
Home equity & HELOC
Explore home-equity and HELOC options for putting the value you've built to work, with clear explanations of how each one works.
HELOC · Equity
Investment property
Review financing for investment and rental properties, including DSCR programs that are structured around a property's cash flow.
Investment · DSCR
Luis Herrera
Founder · Loan Originator NMLS #226951
Why work with EZ Way
A mortgage broker who works for you — not the banks
Luis built EZ Way after seeing too many borrowers treated like transactions — too much fine print, too little guidance. The difference here is simple: real answers, honest options, and one person who stays with you from the first question onward.
Clear communication
You talk to Luis directly — not a call center. Questions get answered in plain English, at your pace.
Straightforward advice
Honest options from someone who actually listens, so you understand the trade-offs before you decide anything.
Hundreds of loan products
Access to programs from dozens of lenders means your options can be compared — not squeezed into one bank's box.
A broker who works for you
As an independent broker, EZ Way works on your side of the table — helping you weigh what makes sense for your goals.
Simple by design
A consultation, not a maze
Here's what to expect when you reach out. It's a conversation about your options — clear, unhurried, and centered on what you want to do.
- 01
Tell us your goal
Share what you're looking to do and a few basics. No sensitive financial details are needed to start the conversation.
- 02
Review your options
Luis walks through available programs and lender options with you, explaining how each one works — in plain English.
- 03
Decide your next step
Choose the next step that makes sense for you. No obligation, and no pressure to move forward before you're ready.
Service area
Local to New Jersey & Pennsylvania
EZ Way Mortgages serves homebuyers, homeowners, and investors throughout New Jersey and Pennsylvania — based in Perth Amboy, New Jersey, and working with people across both states.
- Homebuyers
- Homeowners
- Investors
Perth Amboy, NJ
Questions, answered
Before you reach out
A few things people often want to know before booking a free consultation.
Is the consultation really free?
Yes. Your consultation is a no-cost, no-obligation conversation about your options. It isn't an application, and it's not a commitment to lend.
What can I discuss with Luis?
Anything on your mind — buying a home, refinancing, tapping home equity, or financing an investment property, including DSCR. We'll focus on the options that fit what you're trying to do.
Why work with a broker who accesses multiple lenders?
As a broker, EZ Way can compare available programs from many wholesale lenders, so you can weigh options side by side rather than rely on a single bank's menu. We help you compare available options — we don't promise a specific rate or outcome.
Where does EZ Way serve?
EZ Way Mortgage Corporation is based in Perth Amboy, New Jersey and works with buyers, homeowners, and investors throughout New Jersey and Pennsylvania.
What happens after I submit the form?
Luis follows up to set up your free consultation and talk through your options. The “what are you looking to do?” question simply helps him prepare — no answer determines approval or rules anyone out.
Start the conversation
Book your free consultation
Tell us a little about what you're looking to do, and Luis will reach out to talk through your options. The “what are you looking to do?” question just helps him prepare — no answer determines approval or rules anyone out.
- Free and no-obligation — not a commitment to lend.
- A quick form now; Luis follows up to set up your consultation.