Marcus - Zip Mortgage
Quick mortgage intake
Answer one question at a time
Before commitments or disclosures
Chat can explain steps and collect safe basics. It does not issue approvals, 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.
Start simple
You do not need to know mortgage jargon. Tell us what you are trying to do, and we will help you find the next safe step.
Ask or tell us the goal
Buying, refinancing, comparing payments, or just figuring out where to start — Marcus can help organize the basics.
No credit pull from chat
Get paired with a loan officer
A licensed MLO reviews pricing, eligibility, documentation, and any loan-specific decision points.
Human review before commitments
Move through the file
When you are ready, your loan officer guides application, documents, disclosures, e-sign, and submission.
Clear next steps
What you can do here
Use Zip Mortgage to get oriented before you talk numbers with a licensed loan officer.
💬 Ask plain-English questions
Purchase, refinance, down payment, documentation, timelines, and what happens next.
🧭 Keep the path organized
Marcus captures safe context so your loan officer does not have to start from zero.
🔒 Stay within safe boundaries
Do not enter SSNs in chat. Credit reports, locks, approvals, and Loan Estimates require the approved licensed workflow.
👤 Work with a real MLO
When a file needs a decision, a licensed Zip Mortgage loan officer takes over the loan-specific work.
Realtor or partner?
We can help your clients get oriented quickly and route loan-specific work to a Zip Mortgage MLO.
Ready when you are.
Start with a question, then move to a licensed loan officer when the conversation becomes loan-specific.