California’s Lowest Mortgage Rate. No Bank Markup.
$12k hidden commission removed. Savings go directly into your rate.
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Zeus holds direct wholesale relationships with the country's top lenders — giving you access to institutional rates that retail banks keep for themselves.
wholesale lenders
Your bank charges up to $12,000 in commission. We charge zero.
Every traditional lender — bank, credit union, online lender — pays their loan officers 1–2% of your loan amount in commission. That fee gets baked invisibly into your rate. At Zeus, that cost doesn't exist. We pass it directly back to you as a lower rate.
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Same-day quote · No credit pull · CA NMLS #2316811
Two reasons. First, your bank pays its loan officer 1–2% of your loan amount in commission — on a $700k loan that's up to $14,000, baked invisibly into your rate. Zeus has zero commissioned loan officers, so that cost doesn't exist. Second, as a licensed wholesale broker, Zeus accesses the same institutional rates your bank uses internally — without the retail markup your bank adds on top. You get the rate the bank charges itself, not you.
No hidden costs. Zeus charges standard third-party fees — appraisal, title, escrow — that every lender passes through. What we don't charge is loan officer commission. You'll receive a full Loan Estimate within 3 business days of applying that itemises every single fee before you commit to anything. California law requires it. We make it easy to read. If any number surprises you, ask us — we'll explain every line.
No. Getting a rate quote from Zeus requires zero hard credit pull. Your score is completely safe. A hard inquiry only happens when you formally apply — and only with your explicit written consent. When you do apply and formally shop multiple lenders within a 45-day window, FICO counts all mortgage inquiries as a single inquiry. So rate shopping never hurts your score as much as people fear.
Zeus averages 15 days from completed application — the national average is 43 days. We're faster because we collect every document upfront before submitting to underwriting, which eliminates the back-and-forth that stalls most loans. Day 1: application. Day 2–3: rate lock and document collection. Day 4–10: underwriting. Day 11–15: closing. Your timeline depends on how quickly documents are submitted — the faster you move, the faster we close.
Yes — and we encourage you to verify it. Zeus Group is licensed by the California Department of Real Estate (DRE #02176952) and registered with the Nationwide Multistate Licensing System (NMLS #2316811). You can verify both in 60 seconds: search our NMLS number at nmlsconsumeraccess.org or search our DRE number at the California DRE public license lookup. We are a licensed mortgage broker — not a lender — which is specifically why we can access wholesale rates retail banks cannot offer you directly.
Yes — and self-employed borrowers are one of Zeus's strengths. Traditional banks struggle with non-W2 income because their underwriting is rigid. Zeus works with multiple wholesale lenders simultaneously, which means if one lender's guidelines don't fit your income documentation, another's will. We work with 1099 contractors, business owners, freelancers, and anyone with bank-statement income. The key is providing 12–24 months of bank statements or a CPA letter. Get your rate quote first — no credit pull required — and we'll identify which lenders are the best fit for your specific scenario.
From quote to keys in 15 days.
Most California closings take 45 days. Zeus averages 15 — here's exactly what happens at each step.
Answer Our Questions
Tell us your goal, property, income, and credit. No hard pull. Everything we need to find your best options.
Get Your Detailed Quote
We send a full loan estimate with rate, payment, fees, and savings vs. retail — clearly broken down to compare.
Apply & Submit Documents
Ready to move? We request your full document package upfront so underwriting moves without interruption.
Lock Rate & Close
File complete? We lock your rate and move to closing. Average close is 15 days — we've closed in as few as 9.
Wholesale pricing on every loan type.
Whether you're buying your first home or your fifth — Zeus gets you the same institutional rate that banks reserve for themselves.
Buying a Home
Compete with cash buyers. Get a fully underwritten pre-approval fast, empowering you to make a winning offer in California's competitive market.
Start Purchase ApplicationRefinancing
Lower your monthly payment, drop mortgage insurance, or switch to a fixed rate. We calculate your exact break-even point before you commit.
See Refinance RatesCash-Out & HELOC
Turn your home's equity into liquid cash for renovations, debt payoff, or investing — at wholesale pricing, without selling your home.
See My Cash-Out Rate
Everything your bank won't tell you.
Banks profit from your mortgage. Zeus profits only when you get the best possible rate. That alignment changes everything about how your loan gets handled.
Your Loan Estimate before you commit
You see every fee — rate, APR, origination, third-party — before signing anything. No surprises at the closing table. California law requires it; Zeus makes it easy to understand.
Documents once, close fast
We collect everything upfront — income, assets, ID. One submission goes to underwriting. Zero back-and-forth. Most files clear conditions in 48 hours, not weeks.
Full Loan Estimate before you commit
You receive a complete Loan Estimate — every rate, fee, and closing cost itemised in plain English — before signing anything. California law requires it. We make it easy to understand. No surprises at closing, ever.
California homeowners who stopped overpaying.
Same-day quote · No credit check · CA NMLS #2316811