Step 1 of a few

What can we help with?

Pick the closest fit — we'll tailor everything else from here.

Buy a Home
Purchase mortgage
Refinance
Lower rate or cash out
Home Equity
HELOC · 2nd lien
Keep this answer and continue?
Final question · Almost done

When are you looking to close?

This tells us how to time your rate lock and which lenders to prioritize.

In escrow
Closing within 30 days
Making offers
Next 30–60 days
Actively searching
1–3 months out
Planning ahead
3–6+ months
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Buy a Home

What kind of property?

Different property types unlock different loan programs and pricing.

Single-Family
Multi-Unit
2–4 units
Condo / Co-op
New Build
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Multi-Unit Property

How many units?

This changes the loan program and pricing. Pick the legal unit count for the property.

2 Units
Duplex
3 Units
Triplex
4 Units
Fourplex
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Buy a Home

Is the home in California?

Zeus Group is California-licensed — we know CA-specific programs cold.

Yes — in California
No — different state
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Property Location

What's the property ZIP?

We use this to check California county rules, loan limits, and program availability. Use the property ZIP, or your best target ZIP if you are still shopping.

Use the property ZIP. If you are still shopping, use the ZIP where you are most likely to buy.

We're California-only — for now

Zeus Group is licensed exclusively in California. Text us — we'll connect you with a trusted broker we'd send our own family to in your state.

💬 Text Us for a Referral →
Buy a Home

How will you use this home?

First-time buyers may qualify for special low-rate programs (HomeReady, Home Possible).

My First Home
First-time buyer perks
Primary Residence
I've owned before
Second Home
Vacation property
Investment Property
Rental income
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Buy a Home

How do you earn your income?

We work with 20+ lenders — including bank-statement and non-QM programs built for self-employed borrowers.

W-2 Employee
Steady paycheck
Self-Employed
1099 · business owner
Retired
Asset-based options
Other
Not currently employed
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Buy a Home

Roughly where's your credit?

No hard pull — a range is all we need to dial in your rate and program.

Exceptional
760+
Best rate · No adjustments
Very Good
720 – 759
Strong pricing
Good
680 – 719
Standard pricing
Fair
640 – 679
Adjusted pricing
Below 640
We can still review available options
Keep this answer?
Buy a Home

What purchase price should we price?

Use the list price, target offer, or your closest estimate. This should feel easy, not exact.

Purchase price
One number is enough to calculate loan size, pricing tier, and county-level assumptions.
No credit pull
Fast fill
We only need a working estimate for pricing. Final numbers are verified later.
Buy a Home

How much are you putting down?

Most buyers think in percentages. Use percent or dollars — the form calculates the loan amount for you.

Down payment
This converts purchase price into the loan amount sent to ARIVE.
Auto-calculates LTV
Common choices
Purchase price−Down payment=Estimated loan amount
Buy a Home

Any military service?

Veterans, active-duty, and surviving spouses often qualify for VA loans — typically the lowest rate available with $0 down required.

Yes — Veteran, Active Duty, or Surviving Spouse
No military service
Keep this answer?
Buy a Home

Which loan term works best?

Most CA buyers choose 30-year fixed — lower payment, full flexibility.

30-Year Fixed
Lower payment
15-Year Fixed
Lower rate, faster payoff
Adjustable (ARM)
Lowest starting rate
Keep this answer?
Refinance / Equity

What's your main goal?

Pick the closest fit — we'll show you the best paths from there.

Lower My Payment
Reduce monthly cost
Take Cash Out
Tap home equity
Compare Options
See what's available
Pay Off Faster
Shorter term
ARM → Fixed
Lock in stability
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Refinance / Equity

What type of property is it?

Single-Family
Multi-Unit
Condo
Keep this answer?
Multi-Unit Property

How many units?

Unit count changes refinance pricing and lender eligibility.

2 Units
Duplex
3 Units
Triplex
4 Units
Fourplex
Keep this answer?
Refinance / Equity

How do you use the property?

Primary Home
Second Home
Rental / Investment
Keep this answer?
Refinance / Equity

How do you earn your income?

We review programs for several income types — including bank-statement loans for the self-employed.

W-2 Employee
Steady paycheck
Self-Employed
1099 · business owner
Retired
Asset-based options
Other
Not currently employed
Keep this answer?
Refinance / Equity

Any military service?

Veterans may qualify for streamlined VA refinance options, depending on eligibility.

Yes — Veteran, Active Duty, or Surviving Spouse
No military service
Keep this answer?
Refinance / Equity

What rate are you paying now?

A close estimate is enough. This helps us avoid a fake “savings” quote and compare your refinance against the loan you already have.

Current interest rate
%
Check your mortgage statement, online servicer, or use your best guess.
Common ranges
Why we ask
Your current rate is the baseline. If the new quote does not beat it after costs, we should not push a refinance.
Keep this answer?
Refinance / Equity

Roughly where's your credit?

No hard pull — a range is all we need.

Exceptional
760+
Best rate · No adjustments
Very Good
720 – 759
Strong pricing
Good
680 – 719
Standard pricing
Fair
640 – 679
Adjusted pricing
Below 640
We can still review available options
Keep this answer?
Refinance / Equity

Do you have a second mortgage or HELOC?

This helps us calculate your real equity position and avoid pricing the wrong scenario.

Yes — I have a second
No second mortgage
Keep this answer?
Second Mortgage / HELOC

About how much is left on it?

A rough payoff balance is enough. We use this for CLTV and cash-out/equity room.

Second mortgage / HELOC balance
Use the current balance or your closest estimate.
Estimate is fine
Fast fill
This is not a credit pull. It only helps us avoid quoting a scenario that ignores your second lien.
Refinance / Equity

What is your home worth today?

Use Zillow, Redfin, or your best estimate. We only need a pricing estimate right now.

Estimated home value
This determines refinance pricing, LTV, and equity room.
Estimate is fine
Fast fill
No appraisal is needed for this form. The lender verifies value later if you move forward.
Cash-Out Refinance

What is your current first mortgage balance?

Use your approximate payoff balance. This lets us calculate the new loan amount instead of forcing you to guess it.

Current first mortgage balance
Do not include a HELOC or second mortgage here — we already asked for that separately.
Estimate is fine
Fast fill
For cash-out pricing, the key number is current payoff plus desired cash out, adjusted for any second lien.
Cash-Out Refinance · Last number

How much cash would you like to take out?

Use the amount you want to receive before final lender fees and payoff adjustments. We will calculate the estimated new loan amount.

Desired equity amount
This is the cash you want available for debt payoff, remodel, reserves, or another use.
Calculates LTV
Fast fill
Current first+second lien+cash out=estimated new loan
Refinance / Equity · Last question

Which loan term works best?

30-Year Fixed
Lower payment
15-Year Fixed
Lower rate, faster payoff
Adjustable (ARM)
Lowest starting rate
Keep this answer?
Scenario captured — ready for pricing review
Scenario reviewed: your estimate will be based on loan size, credit tier, occupancy, property type, and California property details.
No hard credit pull: this request uses your self-reported information only.
Written estimate: you can review rate, APR, points or lender credit, and estimated payment before applying.
$0 commission model Rate + APR estimate Text-first follow-up
Final step · Your written estimate is next

Where should Marcus send your written estimate?

Written estimate · Rate + APR · no hard credit pull · text-first follow-up
Optional · Text me my quote

Zeus Group SMS Program · Msg frequency varies · Msg & data rates may apply · Reply STOP to cancel · HELP for help · Consent is optional — you'll still get your quote either way.

You're all set, friend.

Marcus is reviewing your scenario right now. Your written rate estimate will arrive by text or email during business hours.

Written rate estimate by text or email
Text-first follow-up — review at your pace
No hard credit pull until you're ready to apply
If you proceed, we’ll outline the next application steps

🔒 Your information is encrypted and never sold.

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