Lower your rate.
Keep more every month.
Refinancing at a bank means paying their loan officer's commission in your rate — invisibly. Zeus charges $0. Same lenders, direct lender pricing, rate by text.
The commission you're paying
doesn't have to exist.
Every rate quote from a traditional lender includes a hidden commission of 1–2%. On a $700k refi that's up to $14,000, folded into your interest rate. Zeus charges $0 — so every basis point of that savings goes directly to you.
Rate & term. Cash-out. Streamline.
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R&TLower your rate or shorten your termRate & Term RefinanceThe most common refi. Lower your interest rate, reduce your monthly payment, or switch from a 30-year to a 15-year — or all three.30yr · 15yr · ARM
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C/OAccess your equityCash-Out RefinanceReplace your existing mortgage with a larger loan and receive the difference in cash. Use it for renovations, debt payoff, or investment.Up to 80% LTV · Fixed rate
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FHAExisting FHA borrowersFHA Streamline RefinanceIf you currently have an FHA loan, the Streamline program requires minimal documentation and no appraisal in most cases.No appraisal in most cases
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VAVeterans with existing VA loansVA IRRRL (Streamline)Interest Rate Reduction Refinance Loan. Lower your VA rate with minimal paperwork, no appraisal required in most cases.No appraisal · Veterans only
What borrowers ask before refinancing.
When does refinancing make sense?+
The classic rule is to refinance when you can lower your rate by at least 0.5–1% and plan to stay in the home long enough to recoup closing costs (typically 12–24 months). But the right answer depends on your specific rate, loan balance, remaining term, and plans. We'll run the break-even numbers for you when you get a quote.
What are the closing costs on a refinance?+
Standard third-party costs — appraisal, title, escrow, recording, credit report — typically run 1–2% of the loan amount. Zeus charges $0 hidden commission. You'll receive an official Loan Estimate within 3 business days of applying that itemizes every fee. No surprises.
Can I roll closing costs into the loan?+
In most cases, yes — up to your lender's LTV limit. This is called a "no-cost" refinance where costs are rolled in or offset by a slightly higher rate. We'll show you both options (pay costs out of pocket vs. roll them in) with the break-even analysis for each.
Will refinancing hurt my credit?+
Getting a quote requires no hard pull. A hard inquiry only happens when you formally apply. When you shop multiple lenders within 45 days, FICO counts all mortgage inquiries as a single one — so comparison comparing has minimal impact.
How fast can I close a refinance?+
Zeus averages 15 days from completed application. Most traditional lenders take 30–45 days. We're faster because we collect your full document package upfront before submitting to underwriting.
Stop overpaying your bank.
See what you could save.
3 minutes. No credit pull. Rate, APR and every fee — delivered by text, same day.
Get My Rate Now — No Credit Pull No commitment · $0 commission · NMLS #2316811