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What do you need?

Buy a Home
Purchase
Refinance
Lower your rate
Home Equity
HELOC or cash-out
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Purchase Journey · Last question

Where are you in the buying process?

This helps us prioritize your quote and match rate-lock timing to your schedule.

Under contract
Closing within 30 days
Making offers
Within 30–60 days
Actively searching
1–3 months
Planning ahead
3–6+ months
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Buy a Home

What type of property?

Single-Family
Multifamily
2–4 units
Condo / Co-op
New Construction
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Buy a Home

Is the property in California?

Zeus Group is licensed in California only — we offer programs specific to CA borrowers.

Yes — in California
No — outside CA
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California only — for now

Zeus Group is licensed in California. Text us — we may be able to refer you to a trusted partner in your state.

💬 Text Us →
Buy a Home

How will you use this property?

First-time buyers may qualify for reduced-rate Fannie Mae / Freddie Mac programs.

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

Any late mortgage payments in the last 12 months?

Honest answers help us find the right fit — no judgment.

None
1
2 or more
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Buy a Home

What's your primary income source?

We work with 20+ lending partners including bank-statement and non-QM programs.

W-2 Employee
Self-Employed
1099 / freelancer
Retired
Not Employed
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Buy a Home

What's your credit score range?

No hard pull · Your score determines your rate tier and available programs.

Exceptional
760 or above
Best rate · No adjustments
Very Good
720 – 759
Minor adjustments
Good
680 – 719
Standard adjustments
Fair
640 – 679
Larger adjustments
Needs Work
Below 640 · Limited options currently
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Buy a Home

What's the purchase price?

Common ranges in CA — tap to prefill
$
Your best estimate is fine — you can refine this later.
Buy a Home

How much are you putting down?

Common down payments
$
Enter a dollar amount or percentage — e.g. $75,000 or 20%
Buy a Home

Any military service?

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

Yes — Veteran / Active Duty / Surviving Spouse
No military service
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Buy a Home

What loan term are you looking for?

30-Year Fixed
Lower payment
15-Year Fixed
Lower rate, higher payment
Adjustable (ARM)
Lowest initial rate
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Refinance / Equity

Which option are you most interested in?

Lower Monthly Payment
Take Cash Out
Compare Rate Options
Pay Off Loan Faster
ARM to Fixed
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Refinance / Equity

What type of property are you refinancing?

Single-Family
Multifamily
Condo
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Refinance / Equity

How do you use this property?

Primary Residence
Vacation Home
Investment Property
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Refinance / Equity

Any late mortgage payments in the last 12 months?

A transparent look at your history helps us find the right fit.

None
1
2 or more
Keep this answer?
Refinance / Equity

What is your primary source of income?

W-2 Employee
Self-Employed
1099 / freelancer
Retired
Not Employed
Keep this answer?
Refinance / Equity

Any military service?

Veterans may qualify for a VA IRRRL (streamline refi) — often no appraisal, no income check, lower rate.

Yes — Veteran / Active Duty / Surviving Spouse
No military service
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Refinance / Equity

What's your current interest rate?

This is the rate on your current mortgage — we'll calculate your exact savings.

Under 6%
6% – 7%
7% – 8%
8% or higher
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Refinance / Equity

What's your credit score range?

No hard pull · Your score determines your rate tier and available programs.

Exceptional
760 or above
Best rate · No adjustments
Very Good
720 – 759
Minor adjustments
Good
680 – 719
Standard adjustments
Fair
640 – 679
Larger adjustments
Needs Work
Below 640 · Limited options currently
Keep this answer?
Refinance / Equity

What's your home worth today?

Common CA home values — tap to prefill
$
An estimate is fine — no appraisal needed at this stage.
Refinance / Equity

Target loan amount?

Tap to prefill
$
An estimate works — we'll calculate options across this range.
Refinance / Equity · Last one

What loan term are you looking for?

30-Year Fixed
Lower payment
15-Year Fixed
Lower rate, higher payment
Adjustable (ARM)
Lowest initial rate
Keep this answer?
You qualify for direct lender pricing — no commission
Zeus direct rate
—
Loading your rate...
Typical CA bank
—
Industry average
CA borrowers save
$312–$429/mo
Based on your loan — you could save /mo vs. your bank
★★★★★

"Chase quoted 7.10%. Zeus locked me at 6.40%. $460 less a month — happened entirely over text."

Tanya C. · Los Angeles · Purchase · $820k · Feb 2026
$0 commission Rate by text · same day No credit pull
Almost there

Where should we send your rate?

Save $312–$429/mo · Rate + APR by text · same day · $0 commission · no credit pull
Optional — receive your rate faster by text

Zeus Group SMS Program · Message frequency varies · Msg & data rates may apply · Reply STOP to cancel · HELP for help · You can still get your rate without opting in to texts — this is completely optional.

You're All Set!

We've received your information. Marcus will text your rate + APR today — no credit pull, no sales calls.

Rate + APR by text — same day, in writing
No unsolicited calls — we text, never call
No hard credit pull until you're ready to apply
Avg 15 days to close if you decide to proceed

Your information is encrypted and secure.

Need a different quote?

Not a fit right now

Our programs require no late mortgage payments in the last 12 months. Once that's behind you, come back — we'll be here.

📞 Talk to someone →

Score below current minimum

Our programs require a 640+ credit score. Many borrowers reach 640+ within 3–6 months. Come back when you do — we'll be here.

💬 Text us to discuss options →