Save on lending
Real estate agent house represented by model;with background woman agent business.Real estate value concept.

Buy a Home

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Real estate agent house represented by model;with background woman agent business.Real estate value concept.

Refinance

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About Save On Lending

Welcome to Save On Lending, where your mortgage journey is more than a transaction - it's a partnership built on care, transparency, and community.

We don't just secure mortgages; we empower you to save and succeed. With complimentary consulting and financial planning services tailored to your home loan needs, we ensure you make informed decisions for your future.

Beyond that, we're committed to giving back to the community we serve because your success is our success. We see our clients as family, not just customers. From your first consultation to long after you've settled into your dream home, we're here for you every step of the way.

Join the Save On Lending family and experience the difference genuine care, transparency, and community involvement can make in your mortgage journey. Let's build your future together.

Meet the Team

Ricky Hadid, CEO & Co-Founder

Ricky Hadid, CEO & Co-Founder

NMLS #1178081

Ezik Danial, President & Co-Founder

Ezik Danial, President & Co-Founder

NMLS #1177787

Meet Ricky Hadid, our Co-Founder and CEO, and Ezik Danial, our President and Co-Founder - the warm-hearted architects behind our mortgage team, boasting a rich 20-year collective experience in the industry. Their passion lies in assisting clients with personalized care every step of the way, navigating challenges and achieving homeownership goals. Ricky and Ezik are not just mortgage experts; they're seasoned problem solvers who have helped thousands of families overcome hurdles. Together, they've closed over $1 billion in volume throughout their illustrious careers, making a tangible impact with their dedication and expertise. Trust their unwavering commitment and genuine concern for your financial well-being as they welcome you into their mortgage family, where your needs are their priority.

Loan Options

Model house with your deposit money.Real estate and mortgage investment concept.

Conventional

10-30 Year Fix,  1%-3% down First Time Home Buyer,   Home Ready,  Home Possible,  Borrow Smart,   High Balance,   ARMS 5, 7, & 10 Year,  Temporary Rate Buy-Downs, and Limited Review Condo.

Model house with your deposit money.Real estate and mortgage investment concept.

FHA and VA

15-30 Year Fix and StreamLine.

Model house with your deposit money.Real estate and mortgage investment concept.

JUMBO

15-30 Year Fix,  ARMS: 5, 7, & 10 Year, Interest Only 30 Year Fix.

Model house with your deposit money.Real estate and mortgage investment concept.

NON QM SOLUTIONS

No Income - Investor Loan DSCR (Debt Service Coverage Ratio),  Bank Statement Loans,  and One-Time Close New Construction Loans.

Deposit money with model house.Real estate and mortgage investment concept.

HOME EQUITY LINE OF CREDIT

Piggyback and Standard.

Reviews

Ezik did a wonderful job communicating throughout our Real Estate transaction! He was professional and organized with details and timelines as we worked through multiple repairs and ultimately to closing.

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Lauren Fortinberry

Lauren Fortinberry

19 days ago

Outstanding experience with Save On Lending, especially working with Ezik Danial. Ezik was incredibly responsive, detail-oriented, and transparent from start to finish. He took the time to explain every step, answered questions promptly, and made the entire loan process smooth and stress-free. It’s rare to find someone this professional who also genuinely cares about their clients. I wouldn’t hesitate to recommend Ezik and Save On Lending to anyone looking for a home loan.

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Sam Jarbo

Sam Jarbo

24 days ago

We had an excellent experience with Save On Lending, and especially with Ezik Danial. Ezik was professional, responsive, and incredibly knowledgeable throughout the entire process. He explained everything clearly, stayed on top of every detail, and made what could’ve been a stressful process feel smooth and easy. If you’re looking for someone you can trust who actually cares about getting things done right, I highly recommend Save On Lending and Ezik Danial.

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Kristin Khoshaba

Kristin Khoshaba

24 days ago

It has been such a pleasure and smooth experience working with Ezik at Save on Lending. He was recommended by my close friend and from the very beginning of the home buying process until the end, I felt at ease from the expertise and wisdom of Ezik. He throroughly guided me through the steps and was available anytime I needed him. He is prioritized with getting YOU the deal that works best for YOU and explaining everything in simple terms so you arent left in the dark. Ezik always kept calm through the process, never rushed me, and was always a step ahead when it came to any possible bump in the road. I highly recommend this company for your home buying needs. No matter how long the process may take you, rest assured with Save on Lending.

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David Johnston

David Johnston

25 days ago

Ezik and his team were amazing. They were available from beginning to end and made us feel very at ease throughout the whole process, on top of saving us a few thousand dollars. Thank you

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Admon Tomma

Admon Tomma

3 months ago

Ezik Daniel at Save On Lending was phenomenal. He explained every step in plain English, found me a highly competitive rate, and kept me updated the whole way. The best thing was he didn't act like a sales person, and did not push me at all. We closed exactly when he said we would and the numbers matched the estimate no junk fees, no last-minute stress. I’d happily work with Ezik again and recommend Save On Lending to anyone

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jake jarbou

jake jarbou

5 months ago

Ricky & Isik are truly the BEST team! From start to finish, they went above and beyond to make sure everything went smoothly and to get us the best rate possible. Their dedication, patience, and kindness made the whole process stress-free, and we are so grateful for all the effort they put in. Thank you again, you really went out of your way for us, and we’ll always remember it! They gave us the greatest gift !

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Sally S.

Sally S.

5 months ago

Ezik just helped me close on an investment property, and he made the entire process smooth and stress-free. Even when the lender needed a few items resolved, he quickly found solutions to keep everything on track and ensured we closed on time. He was professional, responsive, and easy to work with. I’ll definitely be using him for future investment deals. Highly recommend!

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Sargoon’s Hunts

Sargoon’s Hunts

6 months ago

My brother and I just bought our first home, and working with Ezik at Save On Lending made the entire process incredibly smooth. As first-time buyers, we had a lot of questions, but Ezik guided us every step of the way from pre-approval to closing with patience, clarity, and expert knowledge. He made what could have been a stressful process feel easy, and we were even clear to close in just 5 days after signing the contract. I highly recommend Ezik, especially for first-time buyers. He truly goes above and beyond.

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ZAYA- -BOKA

ZAYA- -BOKA

6 months ago

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