“I appreciated the honesty and dedication with both closings. EZ Access Mortgage guided me through every step, answered all my questions, and made the mortgage process stress-free.”
Robert G
Homeowner
A guidance-first mortgage team for borrowers who want clarity before commitment.
EZ Access Mortgage is built for borrowers who want a real local point of contact, plain-language explanations, and a practical next step — whether buying, refinancing, investing, or evaluating a commercial scenario.
Licensed and accountable
Company NMLS #1632012 with licensing details available before you ever have to submit an application.
Hackensack office
A local New Jersey office for borrowers who want to know there is a real team behind the site and phone number.
Broad scenario coverage
Support across purchase, refinance, FHA, VA, conventional, jumbo, DSCR, investor, and commercial paths.
Guidance-oriented process
The team explains choices clearly and helps narrow fit before pushing borrowers into a higher-friction next step.
Who We Serve
Who We Are Built to Help
The site is designed for borrowers at different confidence levels who still need a trustworthy next step.
01
First-Time and Move-Up Buyers
Borrowers who need help comparing low-down-payment options, understanding payments, and staying organized through closing.
02
Refinance Clients
Homeowners who want to understand when refinancing makes sense and what tradeoffs to watch before moving forward.
03
Investors and Commercial Borrowers
Clients evaluating DSCR, specialized investment, and commercial property financing where speed and lender fit both matter.
What Clients Can Expect
01
Clarity First
We explain options in plain language before discussing technical details. No jargon until the basics are clear.
02
Responsive Support
Direct support throughout pre-approval, underwriting, and closing milestones — you are never left guessing.
03
Program Range
We support FHA, VA, conventional, jumbo, investment, and commercial scenarios across 20+ wholesale lenders.
04
Direct Advisor Relationship
Hands-on guidance from Marilyn reflects the direct, personal support borrowers consistently call out in client feedback.
The Process
How We Work
From first conversation to closing day — a process built around your clarity, not our pipeline.
1
Understand the Goal
We start with the reason you are here: buying, refinancing, investing, or comparing options.
2
Narrow the Program Fit
We help you compare loan paths that are realistic for your profile, property type, and timeline.
3
Prepare for Application
Once a path makes sense, we clarify documentation, expectations, and the next milestone.
4
Stay Through Closing
Support continues through underwriting so clients are not left guessing after they apply.
Your Team
Who You Work With
The experience is structured so borrowers are not passed into a faceless funnel. Different parts of the process are visible from the start.
Advisor Guidance
A real conversation about goals, timing, tradeoffs, and whether a consultation, comparison, or application makes the most sense.
Loan Coordination
Clear next-step guidance on documentation, milestones, and what to expect as a file moves from inquiry to application to underwriting.
Ongoing Borrower Support
Continued follow-through so clients are not left guessing after they submit a form or begin an application path.
Verification
Credentials and Service Context
Verify the company, the office, and the lending context without leaving this page guessing.
- Company NMLS #1632012 with public record lookup through NMLS Consumer Access.
- Licensed by the NJ Department of Banking and Insurance.
- Local office at 190 Moore St, Suite 271, Hackensack, NJ 07601.
- Borrower support across first-time buyer, refinance, investor, and commercial scenarios.
Verify and Contact
Check credentials first, then choose your next step.
Client Proof Points
“EZ Access Mortgage and Marilyn helped us find financing to purchase an investment property. We highly recommend Marilyn Rivera and EZ Access Mortgage to those looking forward to a successful venture with a hard working, knowledgeable and dedicated loan officer.”
Ron W. and Rosemary R.
Investors
