Marcus - Zip Mortgage
Zip Mortgage — intake to next steps
Before you apply
Review only where required
Marcus handles the mortgage workflow — collecting info, running eligibility, building scenarios, and coordinating next steps with required compliance gates. Marcus does not issue approvals, rate locks, Loan Estimates, or credit reports.
Sample Rate Scenarios (Subject to change)
Important Reg Z Disclosure: Rates shown are sample estimates for illustration 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 licensed Zip Mortgage loan officer for a personalized quote. NMLS# 1752164.
How it works
No jargon, no credit pull in chat, no pressure. Just early advisory so you know what you can afford and what a licensed MLO will need to verify.
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 early and keep permitted, truthful status visible to the relationship team without promising approval, closing, or rates.