• 			    The Perfect Home Is Waiting for you.
    The Perfect Home Is Waiting for you.
  • 			    Get up-to-date Rates and More.
    Get up-to-date Rates and More.
  • 			    More than just your Lender.
    More than just your Lender.

Nic Futrell, MLO, MBA
Contact me at 757-710-9686

Program Rate / APR
30 Year Fixed 4% / 4.277%
FHA 30 Year Fixed 3.5% / 4.644%
VA 30 Year Fixed 3.5% / 3.771%
High Balance Nationwide 30 Yr Fixed 4.25% / 4.543%
USDA 30 Year Fixed 3.625% / 3.899%
15 Year Fixed 3.5% / 3.77%
Get Started About These Rates

Get to know us

Licensed mortgage broker in the state of Virgina.
Call me at 757-710-9686


Calculate your mortgage, interest rates, and more.

Loan Programs

Explore various loan program options for fixed and adjustable rate mortgages.

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Complete our online secure application here. It only takes a few minutes.


My name is Nic Futrell and I am a mortgage broker in the state of Virginia. Growing up in Hampton Roads, I understand the many different opportunites that our area provides. Whether you're military moving  into the area, or a first-time homebuyer, we can work together to put you in the perfect situation when it comes to owning your own home!

At EZ Rate, our goal is to take the stress out of the mortgage experience, by handling it all for you! Only thing you will have to worry about when moving into your own home, will be packing when you come and make the EZ choice!

Whether you are buying a home or refinancing, we can help you with your dream of home ownership, all while saving you money and getting you a lower monthly payment.

Purchase Loan programs, we offer the following:

FHA | VA | USDA | HomePath | Jumbo | Conventional

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to meet whatever goals you are looking to reach on your refinance. If you're looking for cash out, or to just get a better rate and term, we can assist you.

                                                      We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | VA Streamline | VA Cash Out | USDA Streamline | Conventional | HELOC | HARP | Jumbo

Contact us today to discuss your loan options, and find out which loan program will best suit your needs!


Nic was AMAZING to work with on our mortgage! He kept us updated on everything that was going on throughout the entire process. I could not possibly give a higher recommendation to him! I welcome anyone to contact me with questions about Nic or EZ Rate, I will be happy to share my experience with you.

- Scott Easton 12/31/2018

I went through  a couple of different loan officers and lenders and lenders that I was not saitsfied with before I foudn EZ Rate Mortgage. Nic had everybody beat with the interest he was able to get me. Being a first home buyer, everything was very new and confusing to me. EZ Rate made it a lot "EZier." Nic was always on call to answer any of my questions. I was very pleased with his business. You won't find a more thorough and dedicated person to get you the loan you're looking for. Thanks again, Nic! Couldn't be happier.

- Taylor Hinkle 3/11/2018