See your rate, APR, payment, and fees in writing — before you apply. No hard credit pull. No phone calls unless you ask for one.
Individual results vary. Pricing depends on credit, program, LTV, property type, occupancy, lock date, points/lender credit and lender pricing. Rate and APR are examples for advertising only.
Mortgage pricing can vary by lender, compensation model, credit profile, LTV, lock date and fees. Zeus gives you a written estimate so you can compare clearly before choosing a lender.
Three honest answers before you commit. No marketing spin.
Banks pay commissioned loan officers 1–2% of your loan amount, then bake that cost into your rate. As a California-licensed mortgage broker, we compare pricing across multiple lending partners and disclose our compensation in dollars on every Loan Estimate — federal RESPA / Reg X requirement. You see exactly what we earn before you commit. No yield-spread surprise at closing.
Zeus Group is a real California-licensed brokerage. NMLS #2316811 · CA DRE #02176952. Verify in 60 seconds at nmlsconsumeraccess.org ↗. Our license, complaint history, and state of operation are public record. If we make a mistake, you have a state regulator to escalate to — same as any brick-and-mortar broker.
About 1 in 5 quotes we run doesn't beat what the borrower already has. We tell you. Plainly. No hard credit pull, no follow-up, no obligation. The whole point of getting a written estimate before applying is so you can walk away with zero damage — that's the offer.
We collect the key documents early so underwriting can move with fewer surprises. Timing still depends on borrower, property, lender, appraisal, title and third parties.
Your estimate is delivered in writing by email. Review it at your pace. Want a call? Just ask.
Get My Written Estimate →Individual results vary. Pricing depends on credit, program, LTV, property type, occupancy, lock date, points/lender credit and fees.
"My file took 23 days instead of the 15 they market — appraisal came back delayed. But the rate they quoted was the rate I locked, and every fee at closing matched the estimate. Honest comms the whole way."
"I called four lenders. Nobody came close. Zeus beat my bank by nearly a full percent and the whole process happened over text — no pressure."
"The written estimate made it easier to compare options without committing to a full application first."
"Two lenders couldn't figure out my income docs. Zeus matched me with the right lender in days. The written estimate made the comparison clear."
"I've bought three homes. Closing costs always had something unexpected. Not with Zeus. Every number shown at the quote was the number I signed at closing."
Example only. 30-year fixed. $600,000 loan, $1,000,000 property value, 780 FICO, 60% LTV, owner-occupied SFR, California. Rate/APR/payment examples are subject to change and are not a commitment to lend. P&I only; excludes taxes, insurance, HOA and prepaid finance charges. CA DRE #02176952 · NMLS #2316811
↻ Rates adjust with market conditions. Final pricing depends on credit, LTV, loan amount, occupancy, property type, lock date, points/lender credit and fees.
Rate, APR, fees, credit pull and licensing — answered directly.
Two reasons. First, your bank pays its loan officer a commission of 1–2% of your loan — on a $700,000 loan that's up to $14,000. That cost gets priced into your rate. Zeus operates differently and discloses every fee in writing on the Loan Estimate before you commit. Second, as a California-licensed mortgage broker, Zeus compares pricing across multiple lending partners instead of one institution. Your final rate depends on credit, LTV, program, documentation, lock date and underwriting.
Zeus may receive lender-paid broker compensation when a loan closes. Compensation and loan costs are disclosed on the Loan Estimate and Closing Disclosure before you commit. You see exactly what Zeus earns before you sign anything.
Standard third-party closing costs — appraisal, title, escrow, prepaid items, recording, credit report — are passed through at cost. Zeus broker compensation and any lender credits are disclosed in dollars on the Loan Estimate. After you apply, you'll receive an official Loan Estimate within 3 business days itemizing every fee. Any earlier pricing preview is an estimate and not a commitment to lend.
No. The initial written estimate uses self-reported information and does not require a hard credit pull. A hard inquiry happens only if you formally apply and authorize it.
No. We don't make unsolicited marketing calls. Your written estimate arrives by email. Follow-up updates arrive by email. You decide if and when you'd like to schedule a call with us.
Once approved and ready to proceed, you lock your rate for a set period — typically 15, 30, or 45 days depending on your close timeline. A locked rate is protected from market movement during the lock window. We'll discuss lock periods, float-down options and extension costs before you commit.
Zeus is built for faster closings when documents are provided early. Timing varies by borrower, lender, property, appraisal, title, third parties, and underwriting conditions.
Yes. Zeus Group · NMLS #2316811. Verify at nmlsconsumeraccess.org in under 60 seconds.
Yes. We review programs from multiple lending partners, including options for 1099 contractors, business owners, freelancers, and bank-statement borrowers when guidelines fit.
Your rate, APR and every fee — sent by email, same day. Zero credit pull. Zero sales calls. Takes 3 minutes.
Get My Written Estimate 3 min · NMLS #2316811 · same-day replyBased on the example rates above, you can compare an estimated payment difference of ~$219/mo. No hard credit pull for the initial estimate.
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