California Mortgage Broker · Rates in Writing | Zeus Group

A better rate, and someone to handle the rest.

See your real numbers in writing today — then decide.

See your rate in writing
3 minutes · No credit pull
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No credit pull No obligation Same day
California-licensed mortgage broker · NMLS #2316811

A better rate, and someone to handle the rest.

We shop wholesale pricing across our lenders, send you the real numbers in writing, and take the paperwork off your hands from there.

Look before you commit
No credit pull, no application, nothing owed. Read your numbers, then decide.
One team who knows your file
Not a call center. You won't re-explain your situation to five people.
We do the chasing
Underwriting, title, escrow, the appraiser. You send documents and sign at the end.
Your phone stays quiet
We don't sell leads. Your estimate comes by email, and we call only when you want us to.
Check us before you trust us
Zeus Group · NMLS #2316811 · CA DRE #02176952
License and complaint history, public record ↗
Trusted by California homeowners Licensed CA broker · your rate, APR & payment in writing — same day
Where the savings come from

Three costs we don't pass on to you.

A mortgage rate is the cost of money plus everything the lender spent getting it to you. We run lean on all three, and that shows up in your number.

01

Commission

A retail loan officer earns one to two percent of your loan — up to fourteen thousand dollars on a $700,000 mortgage, priced quietly into your rate.

How we work No commissioned salespeople. The lender pays us at closing, and that amount is printed in dollars on your Loan Estimate before you sign anything.
02

Headcount

At a large lender your file moves through a call center, a processor, a coordinator, and two underwriters. Every handoff is payroll — and a place your file waits.

How we work One small team carries your file the whole way. They'll know your situation when you call, and you'll know who to ask for.
03

Manual work

Documents keyed in by hand. Conditions tracked on spreadsheets. Status updates that need somebody to pick up a phone and ask.

How we work Pricing, document intake and file tracking run on software. It shops lenders in seconds and flags a missing document the day it goes missing.

Take out the commission, the extra headcount and the manual handling, and what's left is close to the real cost of the loan. That's the number we quote you — and it's usually 0.50% to 0.75% under the national average.

What that's worth

A quarter point is a used car.

Rate differences look small on paper and don't stay small. Here's a quarter of a percentage point on a $500,000 loan.

$81
a monthyou'd never notice it
$970
a yearevery year
$29.1k
over the loanfor a number you never saw

Finding out where you stand takes three minutes and doesn't touch your credit.

Illustration only. Compares a 30-year fixed $500,000 loan at 6.00% versus 6.25% — a 0.25 percentage-point difference — principal and interest only. The base figure tracks today's example Zeus rate, so the numbers above reflect current pricing. Your actual difference depends on loan amount, term, credit, LTV, program and lender pricing, and may be larger or smaller. Not a commitment to lend.

Already have an offer

Send us the quote
you're holding.

Upload the Loan Estimate someone already gave you and we'll price the same scenario across our lenders. You'll get a straight answer about which one is better for you, in writing, the same day.

Compare my offer →

One thing we'll always tell you.

Not every borrower comes out ahead with us. If you locked something excellent a few years back, or your bank has a relationship discount we can't match, we'll say so in the same email as your estimate — and you should keep the loan you have.

That's the reason to look before you apply. You get a real answer either way, with nothing on your credit and nobody working your phone number afterward.

Start to finish

You do three things.
We handle everything else.

All by phone and email — no office visits, no appointments to keep. Here's the whole thing, including where money comes in.

  1. 1

    Tell us your situation

    Free · 3 minutes

    You: your goal, the property, roughly where your credit sits, how much you need.

    Us: run it through wholesale pricing across our lenders and find where it fits best.

    What this costs $0
  2. 2

    Read your numbers

    Free · Same day

    Us: email you the rate, APR, monthly payment and fee breakdown — same business day if you're in before 4pm PT.

    You: read it on your own time. Talk it over. Hold it up against anything else you have.

    What this costs $0
  3. Everything above is free. Below this line there's money and there are dates — so you should see them before you decide.
  4. 3

    Apply

    First costs

    You: authorize the credit pull and cover the appraisal and credit report fees.

    Us: order the appraisal, submit to the lender, and get your official Loan Estimate out within three business days.

    Due at application Appraisal + credit report

    Straight pass-through — the appraiser gets the appraisal fee, the bureau gets the credit fee. We don't mark them up or keep any of it. The amount depends on your property and location, and you'll see it in writing before we charge anything.

  5. 4

    Send your documents

    Your part · 48 hours

    You: upload the list below. This is the last heavy thing we'll ask of you.

    Us: everything after — underwriting, conditions, title, escrow, the appraiser, scheduling.

    The 48 hours protects your rate. A lock is a clock, and underwriting can't open a partial file — days spent waiting on a pay stub come straight off your window. Complete files close on schedule, and our system flags anything missing the day it's missing so nothing surprises you at the end.

    What you'll need
    Income
    • Last 30 days of pay stubs
    • W-2s, past two years
    • Tax returns, past two years, every schedule
    • Self-employed: 1099s, P&L, business returns
    Assets
    • Two months of bank statements — all pages, even blank ones
    • Retirement and investment statements
    • Paper trail for any large recent deposit
    Property and ID
    • Government photo ID
    • Homeowners insurance declaration page
    • Current mortgage statement, if refinancing
    • Purchase contract, if buying
    • HOA details, if there's an HOA

    Your file may need more or less depending on program and income type. Underwriting usually comes back asking for one more thing — that's routine, and we'll walk you through it.

  6. 5

    Lock, close, done

    30–45 days typical

    Us: lock your rate, clear conditions, coordinate title and escrow, schedule the signing.

    You: sign. A notary comes to wherever you are.

    Locks run 15, 30 or 45 days depending on your closing date. Timing depends on the lender, appraisal turn times, title and the property — we'll give you a real date once we've seen the file and keep you posted if anything moves.

Start with the free part → No credit pull · Nothing owed until you apply
Refinancing only

You'll likely skip a
mortgage payment or two.

Depending on when in the month you close, there's a gap before your first payment on the new loan comes due — often stretching across two calendar months. It's a real break for your cash flow, and worth understanding properly.

1
The old loan ends
Your payoff at closing covers the balance plus interest accrued that month. No more payments on it.
2
The new one starts behind
Mortgages bill in arrears — you're always paying for the month you just finished. So your first payment isn't due until the month after next.
!
What's really happening
The interest doesn't disappear — it's paid at closing out of your payoff, and the new loan starts accruing the day it funds. Think of it as breathing room, not a discount. Take it if the cash flow helps.

Payment timing depends on your closing date, your lender's first-payment schedule and the terms of the loan being paid off. Not every borrower gets a two-month gap and some get none. This describes how refinance payment scheduling generally works — it is not a promise of skipped payments, forgiven interest or reduced cost. Refinancing extends your repayment period and may increase the total interest you pay over the life of the loan even when your monthly payment goes down. Not a commitment to lend.

What we lend on

Complicated is what we're for.

Self-employed. A condo the last lender balked at. Income that's real but doesn't look like a W-2. None of that ends the conversation — it just changes which lender you belong at, and finding that lender is the job.

Conventional

Fannie · Freddie

The standard 30- and 15-year fixed, plus ARMs. As little as 3% down for qualified buyers, and mortgage insurance drops off once you reach 20% equity. FHA and VA available too — VA can be zero down if you've served.

Jumbo

Above conforming limits

For California prices that outrun the conforming cap. Fixed and ARM options, competitive pricing on strong files, and lenders who'll look at a $3M purchase without treating it as an exception.

Where most lenders stop

Non-QM: for income that's real
but doesn't fit a W-2 box.

Traditional underwriting reads tax returns. If you write off aggressively, get paid in distributions, or live on assets, those returns understate what you actually earn — and a bank reads that as "doesn't qualify." These programs read it properly.

Bank statement

Self-employed

For you if: you own a business, write off heavily, and your tax returns don't reflect your real cash flow.

We qualify you on 12 or 24 months of bank deposits instead of tax returns. Personal or business accounts, with an expense factor applied to business statements.

Asset depletion

Asset-based

For you if: you're retired, between ventures, or asset-rich with modest reported income.

Your qualifying income is calculated from liquid assets — retirement accounts, brokerage, savings — divided across the loan term. No employment required.

DSCR

Investment property

For you if: you're buying or refinancing a rental and don't want your personal income underwritten.

The property qualifies itself. We compare rental income to the payment — that ratio is the DSCR. No tax returns, no W-2s, no debt-to-income calculation on you.

1099

Contractors

For you if: you're a contractor, agent, or gig worker paid on 1099s with business deductions.

We use your 1099 income directly with a simplified expense factor, rather than the full Schedule C write-down traditional underwriting applies.

Also common Non-warrantable condo 2–4 units Foreign national Recent credit event Cash-out refinance First-time buyer
Tell us your situation → Not sure which fits? That's what the estimate is for.
Non-QM programs generally price above conventional and carry their own reserve, credit and down-payment requirements. Availability depends on the lender, your credit, the property, how you document income and current guidelines. Tell us the situation and we'll give you a straight answer about what's possible.
Anything else

Questions people ask us.

Will this hurt my credit score?
No. The estimate runs on what you tell us — nobody pulls your credit. A hard inquiry happens only if you formally apply and authorize one, and by then you've already seen your numbers.
Am I signing up for anything?
Not at this stage. The estimate is a price, not an application. Costs come in only when you decide to apply, and we name them first. If the timing isn't right for you, that's a perfectly normal place to stop.
How is your rate lower?
Three things. No commissioned loan officers — that's one to two percent of your loan that normally gets priced into your rate. A small team instead of a call center and five handoffs. And software handling the pricing, document intake and file tracking that most shops still do by hand.
I'm self-employed — will my write-offs sink me?
Not with the right program. Traditional underwriting reads your tax returns, so aggressive write-offs make your income look small. Bank statement programs qualify you on 12 or 24 months of deposits instead, and 1099 programs use your gross with a simplified expense factor. Same borrower, very different answer. More on those programs.
Am I going to get hammered with calls?
No. When a quote form blows up your phone, it's because your information got sold to several lenders racing each other to reach you. We don't sell leads. Your estimate comes by email, follow-up comes by email, and you tell us if you'd rather talk.
How do you get paid?
The lender pays us when your loan closes. That amount is printed in dollars on your Loan Estimate and again on your Closing Disclosure, before you sign either one.
What do I pay up front?
Nothing for the estimate. At application we collect the appraisal and credit report fees — third-party costs that go straight to the appraiser and the bureau, unmarked up. You'll see the amount in writing before we charge it.
What are the rest of the fees?
Title, escrow, recording and prepaid items, passed through at cost. Our compensation and any lender credits show as their own line items. It all lands on the Loan Estimate within three business days of your application, and the Closing Disclosure has to match it.
Why the 48-hour document window?
To protect your rate. A lock is a countdown and underwriting can't start on a partial file, so days spent waiting come off your window — and extensions cost money or force a re-price. The full list is on this page if you'd like a head start.
How much do I actually have to do?
Three things: fill out the form, send your documents, sign at the end. Everything in between — lender shopping, underwriting, conditions, title, escrow, appraisal coordination, scheduling — is ours to carry.
How do rate locks work?
Once you're approved and ready, you lock for a set window — usually 15, 30 or 45 days depending on your closing date. Inside that window, market movement doesn't touch you. We'll walk through lock length, whether a float-down makes sense, and what an extension would cost before you commit.
How fast can you close?
Thirty to forty-five days is typical, and complete documentation is what keeps it at the short end. Appraisal turn times, title and the property matter too — we'll give you a real date once we've seen your file rather than a number we can't stand behind.
Do I have to come into an office?
No. Phone and email start to finish — application, documents, conditions, updates. At closing a mobile notary comes to you, wherever's convenient.
Are you licensed?
Yes. Zeus Group, NMLS #2316811, CA DRE #02176952. Verify it here ↗ — license status and complaint history are public. We're California only.
What happens to my information?
We use it to price your loan and send your estimate. We don't sell it and we don't hand your number to third-party marketers. Details in our privacy policy.

See your numbers.We'll take it from there.

Rate, APR, payment and fees — in writing, by email, same business day. No credit pull, no application, and a real person on the other end whenever you want one.

See my rate in writing 3 minutes · No credit pull
Nothing owed to look Call us anytime · 424-424-2452

California-licensed wholesale mortgage broker. Written estimates with rate, APR, payment and fees before you apply.

+1 424-424-2452 501 Deep Valley Dr #202
Rolling Hills Estates, CA 90274