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Today's Rates (Subject to change)
Important Reg Z Disclosure: Rates shown are estimates as of today and are subject to change without notice. Actual rates depend on credit score, loan-to-value ratio, loan amount, property type, and other factors. APR (Annual Percentage Rate) includes estimated closing costs and fees. Monthly payment estimates assume a $400,000 loan amount with 20% down payment ($80,000) on a primary residence, resulting in a $320,000 loan balance. FHA payments include required mortgage insurance premium (MIP). VA loans assume no down payment with funding fee included. ARM rates may adjust after the initial fixed period. Payment amounts shown do not include property taxes, homeowners insurance, or HOA dues. Your actual rate, APR, and monthly payment may differ. Contact a Zip Mortgage loan officer for a personalized quote. NMLS# 1752164.
How Zip Works
Three simple steps to your best mortgage rate
Get a Quote
Use our widget to explore rates and loan options. Real rates in 30 seconds. No credit hit.
⏱️ 2 minutes
Start Application
Real people review your documents and info. Fast. Pre-approval sent to your email.
⏱️ 15 minutes
Get Funded
Your loan closes. Same-day payroll to your account. You're done.
⏱️ 10-14 days
Why Choose Zip Mortgage?
We're not like other lenders. Here's why borrowers and realtors choose us.
💰 100% Commission
Your loan officer keeps 100% of what they close. No splits. No caps. Same-day payroll. This means they're motivated to close your loan fast.
🚀 Real Tech
AI-powered processing. Real-time updates. Closings in days, not weeks. We're obsessed with speed and transparency.
🤝 Realtors Love Us
Give realtors access to our widget. Instant rates. Their clients stay loyal. Your referral book grows.
🙅 No Corporate BS
No meetings. No trainings. No permission slips. Just work. Close loans your way. Build your business.
📱 Borrower Widget
Borrowers see real rates, not estimates. Compare lenders in 2 minutes. No surprises at closing.
🎯 Built for Growth
We scale with you. Your technology improves every month. You win. Your customers win.
Meet Our Loan Officers
Work with experienced loan officers who are genuinely motivated to help you succeed.
John Smith
Senior Loan Officer
1000+ loans closed
Avg close: 12 days
Specialties:
Sarah Chen
Top Producer
250+ loans closed
Avg close: 12 days
Specialties:
Mike Johnson
Realtor Specialist
180+ loans closed
Avg close: 12 days
Specialties:
Recently Funded
Real borrowers. Real results. Real testimonials.
Sarah M.
"John made the process incredibly smooth. He explained every step, didn't pressure us, and got us a rate we were thrilled with."
Purchase • $425,000
With John Smith • Dec 2025
Michael K.
"Fastest VA refi I've seen. John kept everything simple, and my realtor was impressed with his professionalism."
VA Refi • $380,000
With John Smith • Nov 2025
Jessica T.
"John helped us with our investment property. He knows portfolio loans inside & out. Closed in 14 days with zero surprises."
Investment • $550,000
With John Smith • Oct 2025
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