Unlock the power of your home's equity.
Lower your rate, reduce your monthly payments, or get cash out for what matters most. Refinance 100% online with zero hidden fees.
Why do you want to refinance?
Every homeowner’s financial situation is different. Our digital platform helps you identify the perfect loan program for your specific goals.
Lower Monthly Payment
If interest rates have dropped since you bought your home, a rate-and-term refinance can significantly reduce your monthly mortgage payment and free up cash flow.
See how much you can saveGet Cash Out
Leverage the equity you've built in your home. A cash-out refinance replaces your current loan with a larger one, giving you the difference in liquid cash for renovations or debt consolidation.
Check your equity optionsPay Off Your Home Faster
Switching from a 30-year to a 15-year mortgage can save you tens of thousands of dollars in lifetime interest and help you own your home free and clear, sooner.
Explore 15-year ratesA frictionless refinance process.
We've eliminated the endless paperwork and branch visits. Refinance from the comfort of your couch.
Get a custom rate estimate
Answer a few questions online. We'll show you estimated rates and potential monthly savings instantly. We only do a soft credit check, so your score won't be impacted.
Review options with an advisor
Schedule a quick 10-minute call with one of our licensed California advisors. They will explain the exact breakdown of fees, calculate your break-even point, and help you lock your rate.
Close digitally and save
Upload your W2s and statements directly to our secure portal. Our AI underwriting engine processes everything behind the scenes, getting you to a fast, remote closing.
Common Refinance Questions
Does it make sense to refinance right now?
It depends on your current rate and goals. A general rule of thumb is that if you can lower your rate by 0.75% to 1%, it's worth exploring. However, even smaller drops can make sense if you are switching to a shorter term or need to pull cash out for high-interest debt consolidation. Our advisors will calculate your exact "break-even" point for free.
What are the closing costs to refinance?
Unlike traditional banks, Zeus charges absolutely $0 in lender origination fees. You will still be responsible for third-party fees (like title insurance, recording fees, and potentially an appraisal), which typically range from 2% to 3% of the loan amount. In many cases, these costs can be rolled directly into your new loan balance so you bring no cash to closing.
Will I need a new home appraisal?
Not always! Because of our advanced automated underwriting system, many of our refinance clients qualify for an Appraisal Waiver. This means we use automated valuation models to confirm your home's worth, saving you the $500+ cost and the week-long wait of a traditional in-person appraisal.