Today's Wholesale
Mortgage Rates.

All rates shown assume: $600,000 loan amount · $1,000,000 property value · 780 FICO credit score · 60% loan-to-value ratio · owner-occupied single-family residence · California. Your actual rate will vary based on your credit, loan amount, LTV, property type, occupancy, documentation, and lock date.

The interest rate is the base cost of borrowing. APR (Annual Percentage Rate) includes the interest rate plus most fees (origination, points, mortgage insurance) expressed as a yearly rate — making it a more complete cost comparison. Always compare APRs when comparing lenders. Zeus discloses both on every quote.

Mortgage rates move with the bond market — primarily the 10-year Treasury yield — and can change multiple times per day during volatile periods. The rates shown are updated each market session. The rate you lock is what you get. Getting a quote today locks in nothing; you only lock your rate when you formally apply and request a lock.

Zeus is a Zeus. We access the same lenders your bank does, but at direct pricing. Your bank then adds a loan-officer commission of 1–2% of your loan amount — baked into your rate. Zeus charges $0 hidden commission. That savings goes directly into your rate.