When You Call EZ Loans, You're Talking to the Person Who Writes the Check
Erik Egelko
Founder & LenderA 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 retail shopping centers, multifamily apartment complexes, office buildings, industrial properties, and vacant land.
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. 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.
Proven Experience in San Diego Real Estate
CRE Transactions
Closed across retail, multifamily, office, industrial, and land throughout San Diego County.
CRE Experience
Nearly a decade of investment property sales in San Diego County.
Decision Maker
Every loan personally reviewed and approved by Erik. No committees, no middlemen.
Days to Funding
Average time from initial call to paper check at closing.
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 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. Straightforward terms, transparent pricing, and honest conversations about what you can afford.
Speed Without Shortcuts
We move fast — 7–10 days to funding — but don't cut corners on due diligence. Every 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.