Get Started
Get your best mortgage rate in minutes. Simple, fast, and transparent.
Get a Rate Quote
Answer a few questions about your situation. Get instant rate quotes. Takes 2 minutes.
Choose Your Lender
See personalized rates from Zip MLOs. Compare options. Lock a rate.
Start Your Application
Complete your application. Upload documents. Get pre-approved. 15 minutes.
Get your rate quote
Talk to your Zip assistant to get started. No credit impact — it takes about 2 minutes.
2 min
To a rate quote
Soft pull
A quote won't affect your credit score
Licensed MLO
Reviews every application
Before You Start
Will getting a quote hurt my credit?▼
No! Getting a rate quote is a soft inquiry and doesn't impact your credit score.
What information do I need?▼
For a rate quote: approximate credit score, loan amount, down payment amount. For full application: recent pay stubs, W2s, tax returns, bank statements, ID.
Can I apply on my phone?▼
Yes! Our application is fully mobile-friendly. Get your quote and start your application from anywhere.
What happens after I submit?▼
A loan officer will review your information and send you a pre-approval letter within 24 hours. From there, your loan is submitted to the wholesale lender, who underwrites it.
Can I pick my loan officer?▼
Yes! You can browse our loan officers or request a specific one. Or we'll match you with the best fit for your situation.
🔒 Your Privacy is Protected
Your information is encrypted and secure. We never sell your data. We comply with GLBA (Gramm-Leach-Bliley Act) and other privacy regulations.
Read our full Privacy Policy →Prefer to Talk First?
Our loan officers are happy to answer questions before you apply.
📞 Call: (612) 469-0220
🕐 Hours: M-F 8am-6pm CST