Marcus - Zip Mortgage
Your AI mortgage assistant
Payment, documents, timing
Required before commitments
Marcus helps organize the conversation and next steps. Licensed Zip MLO review is required before approval, pricing, disclosures, rate locks, or other regulated decisions.
Early planning, not a rate quote
Use Marcus to frame affordability before anyone asks you to commit.
We do not show teaser rates or lock promises in chat. A licensed MLO has to verify the file before pricing, APR, disclosures, approval, or rate-lock decisions.
Monthly payment range
Estimate after assumptions
Price, down payment, taxes, insurance, HOA, and credit profile change the range.
Program fit
Conventional, FHA, VA, USDA
Marcus can help sort likely paths before a licensed MLO verifies eligibility.
Cash to close
Down payment + closing costs
Early planning only; final figures come through required disclosures.
Zip Mortgage LLC NMLS# 1752164. Any payment, rate, APR, cash-to-close, or eligibility discussion before application is informational and assumption-based. It is not a Loan Estimate, approval, commitment, or rate lock.
How it works
No jargon, no credit pull, no pressure. Just a conversation to get you oriented.
Talk to Marcus
Tell Marcus what you're trying to do — buy, refinance, or just figure out where to start. He'll ask one question at a time.
Get offer-ready
Marcus organizes your goals, affordability range, documents, and open questions so a human reviewer can see the context instead of starting from scratch.
Move forward with truth
When you're ready, Zip coordinates application, documents, disclosures, and submission through required legal, compliance, and licensed-review gates.
Realtor or partner?
We can help your clients get oriented quickly and route loan-specific work to a Zip Mortgage MLO.