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

Buy a Home

Refinance

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

NMLS #1178081

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.

FHA

15-30 Year Fix and StreamLine.

JUMBO

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

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.

@SaveOnLending

A newer credit scoring model called VantageScore is starting to become available with some mortgage lenders and it may help more borrowers qualify.

Unlike traditional models, it can consider alternative payment history like rent, utilities, and phone bills, and it may work even for borrowers with limited credit history.

For some buyers, especially first-time homebuyers, having more than one scoring model available could create additional opportunities.

The mortgage world is constantly evolving, and this is something worth paying attention to #homebuying #mortgagetips #mortgagebroker #homeloans #firsttimehomebuyer

Most investors know about 1031 exchanges… but many don’t realize how easy it is to accidentally ruin one.

In this situation, the sale proceeds hit the client’s account before the exchange was properly structured.

And once that happens, the tax deferral opportunity may be gone.

The biggest takeaway: Don’t wait until AFTER closing to ask questions about a 1031 exchange.

The structure and timing matter just as much as the property itself. #mortgagetips #1031exchange #mortgagebroker #realestatetips #homebuying

Most people think putting 20% down is always the best move.

In some cases, it is, but not always.

In this situation, using part of the down payment to eliminate a monthly debt increased buying power significantly.

Same client, same income… just a different strategy.

How you structure a loan matters more than most people realize. #mortgagetips #homebuying #mortgagebroker #homeloans #realestatetips

Appraisals don’t have to kill a deal but how you talk about them matters.

Instead of saying “low appraisal,” I focus on the actual numbers and the options.

That small shift keeps everyone focused on solutions instead of emotions.

Most deals don’t fall apart because of the appraisal itself…
it’s how people react to it. #mortgagetips #homebuying #realestatetips #mortgagebroker #michiganrealestate

A client asked me this recently while rate shopping:
“Why is one lender offering a lower rate than another?”

The reality is not all lenders operate the same way.
Costs, service, and how loans are handled can all impact the rate you’re offered.

Lowest rate doesn’t always mean best overall experience.

There’s more behind the rate than most people realize.

#mortgage
#mortgagetips
#interestrates
#homebuyingtips
#realestatetips

A client was told she couldn’t buy a home because of a bankruptcy and what looked like a foreclosure on her credit report.

After reviewing the documents and asking one additional question, we found that the mortgage had actually been reaffirmed, which changed everything.

She’s now pre-approved.

Situations like this are more common than people think. What shows up on a credit report doesn’t always tell the full story.

The details matter. If you’ve been told “no” before, it might be worth a second look.

#mortgagetips
#homebuying
#realestatetips
#firsttimehomebuyer
#loanofficer

saveonlending

Reviews

Ricky made every effort to help make closing on my first home as easy as possible. Great communication and very efficient. I would recommend him to anyone. Thank you again, Ricky!!

Krista Wisemen

9 days ago

Ricky was great patient very respectful of my time. Thank you Ricky for everything.

Ihab Abuna

12 days ago

Ezik is the definition of a professional! He was super helpful and ensured that all of our questions were answered. Would highly recommend his services to anyone!

Evan Cassar

13 days ago

Ezik was a pleasure to work with. As a first time homebuyer he answered all of my questions and guided me through the entire mortgage process. We had multiple phone calls after typical business hours as my job is not very flexible. Ezik is extremely hard working and professional and I will use him in the future for any mortgage needs I may have. I am lucky to be one of his clients. Nothing but good things to say about him.

Kathryn Mansueti

22 days ago

Where do I even begin? As a first time home buyer Ezik and Save on Lending made this process the most stress free and easy process we could have even imagined. I highly recommend them anytime you are looking to refinance or apply for a mortgage. Very knowledgeable and always available when we had questions and concerns. As a first time buyer Ezik was very patient with me and answered all my questions. Throughout the process Ezik kept me very informed. We were cleared to close in record time. I could go on and on about how great of an experience this was but I would run out of characters. When you think about mortgages, think of Ezik and Save on Lending!!

Andrew Shakouri

1 month ago

Mr. Lakefront

3 months ago

I had a great experience working with Ricky during my refinance. He was professional, responsive, and consistently available to answer my questions throughout the process. I really appreciated how diligent he was and how he truly went to bat for me to get the best outcome possible. The whole experience felt smooth and well-supported from start to finish. Highly recommend!

Katrina Bowen

3 months ago

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.

Lauren Fortinberry

4 months 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.

Sam Jarbo

5 months ago

Contact Us Today

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