Terms of Service

Welcome to the Zeus Group website. This website (the "Site") and the loan services provided through the Site (collectively, the "Services") are owned and operated by Zeus Group, LLC ("Zeus Group," "Mortgage Zeus," "we," "us," or "our"). These Terms of Service include the Zeus Group Privacy Policy and state the agreement ("Agreement") between you and us regarding your use of the Services. This Agreement also provides important information to you, including information about your obligations regarding content and our limitation of liability to you. By accessing, downloading, or using any portion of the Services, you signify that you accept the terms of the Agreement. If you do not accept, then please do not use the Services.

1. Who Can Use the Zeus Group Services

To use the Services, you must be at least 18 years old and a resident of the United States. If you are under the age of 13 years old, you should not be visiting this Site.

2. Intellectual Property Ownership and License

All materials (including source code, data, images, and other content) contained in the Services, including the selection and arrangement of the materials, are owned by Zeus Group or are licensed by Zeus Group for use on the Site. Zeus Group, the Zeus Group logos and other Zeus Group trademarks, service marks, graphics, and logos used in connection with Zeus Group are trademarks or registered trademarks of Zeus Group in the U.S. and/or other countries. Zeus Group also owns trade secrets and know-how that contribute to the functionality of the Services.

Except as enabled and directed on the Services, you may not modify, decompile, reproduce, redistribute, attempt to commercially gain from your use, or misuse, of the Services or any of their components. You may not use any meta-tags or other hidden text using the Zeus Group name or trademarks without our specific permission. We may revoke your permission to access and use the Services, and we may block or prevent you from accessing the Services, in our sole discretion without notice. If you violate the Terms of Use, your permission to access and use the Sites is automatically revoked. Except for the limited license granted above, Zeus Group reserves all of its intellectual property rights in the Services. This Agreement does not grant you any right or license with respect to any trademarks and logos.

3. Registration, Quoting, and Upfront Application Fees

Registration: You must register with Zeus Group to apply for a loan. When you register with us, you are agreeing to these Terms of Use. You agree to provide accurate, true, current, and complete information about yourself to receive a valid quote. You are responsible for all activities related to the Services that occur through your account.

Upfront Application Fee and Refund Policy: To provide the lowest possible market rates, Zeus Group operates on a streamlined, highly automated model. Upon choosing to lock in your rate and proceed with your mortgage application, you will be required to pay an upfront Application Fee. This fee covers direct, third-party hard costs required to immediately process your loan, specifically including your property appraisal and credit reporting fees. Because these funds are immediately deployed to third-party vendors on your behalf to secure your rate, the Application Fee is strictly non-refundable under any circumstances, regardless of whether your loan successfully closes, is declined, or if you choose to withdraw your application.

4. AI-Driven Processing and Communications

AI Automation: Zeus Group utilizes advanced artificial intelligence technology to guide you through the quoting and application process, deliberately eliminating the overhead of traditional commissioned sales representatives so we can pass the rate savings on to you. By using the Services, you acknowledge and agree that your application, quoting, and direct communications will be handled by our automated AI systems.

Communication Consent: For purposes of responding to you and providing you with information and notices about your account or the Services, you agree that we may communicate with you through the contact information associated with your Zeus Group account, including via automated SMS/text message, your email address, telephone number, or the postal address you provided. When you request a quote or information from us, you are extending an express invitation for us to contact you.

5. SMS Communications Program

By opting in to our SMS program, you consent to receive text messages from Zeus Group regarding mortgage inquiries, application updates, rate notifications, and promotional offers.

• Opt-Out: You can cancel the SMS service at any time. Simply reply "STOP" to the shortcode or number from which you received the message. Upon sending "STOP," we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time, and we will start sending SMS messages to you again.
• Customer Support: If you are experiencing issues with the messaging program, you can reply with the keyword "HELP" for more assistance, or you can get help directly by contacting us at [email protected].
• Carrier Liability: Mobile carriers are not liable for delayed or undelivered messages.
• Rates and Frequency: As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

6. Privacy and Data Protection

We absolutely never sell your personal information to third parties. The information you provide in connection with the Services, including your survey data and application details, will be strictly protected as described in our Privacy Policy.

7. Third Party Sites

We may include links to third-party websites ("Third Party Sites") on the Site. You should review any applicable terms or privacy policy of a Third-Party Site before using it, as we are not responsible for and do not endorse any features, content, advertising, products, or other materials on or available from Third Party Sites.

8. Indemnification

You agree to defend, indemnify, and hold harmless Zeus Group, its affiliates, and their respective directors, officers, employees, and agents from and against all claims and expenses (including, but not limited to, reasonable attorneys' fees and costs) arising out of your violation of this Agreement or use or misuse of the Services or this Site.

9. Disclaimers

10. Limitation of Liability

11. Additional Legal Terms

A. Severability. If any provision of this Agreement is found to be illegal, void, or unenforceable, the unenforceable provision will be modified so as to render it enforceable and effective to the maximum extent possible.

B. Entire Agreement. This Agreement constitutes the entire agreement between you and us regarding the Services; provided that the Loan Services will also be subject to the terms and conditions of any disclosures provided in connection with the Loan Services.

C. Amendments. We reserve the right to modify or replace the terms of this Agreement at any time, effective prospectively upon posting at www.Mortgagezeus.com.

D. Complaint Regarding Copyright Infringement. Send your infringement notices to: Zeus Group, Legal Department, 501 Deep Valley Dr #202, Rolling Hills Estates, CA 90274.

12. Governing Law

You agree that this Agreement will be governed by and construed in accordance with the laws of the State of California, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to this Agreement or the use of this website shall be filed only in the state or federal courts located in Los Angeles County, California.

13. Contact Us

If you have questions about this Agreement or the Site, please call us at +1 424-622-7901. ANY RIGHTS NOT EXPRESSLY GRANTED HEREIN ARE RESERVED BY ZEUS GROUP.

Terms of Promotions

Effective date: April 5, 2026

Appraisal Coverage Terms and Conditions

Zeus Group's Appraisal Coverage protects homebuyers from any adverse change to the homebuyer's loan product, cash-to-close, APR and monthly payment due to the property's appraisal value coming in lower than expected. Availability of Zeus Group's Appraisal Coverage is subject to the following terms and conditions:

• Loan Type and Requirements: Zeus Group's Appraisal Coverage only applies to conforming loans. Homebuyers must:
  • Receive a valid pre-approval from Zeus Group prior to making an offer on a home;
  • Make a down payment of at least 10% of the purchase price for a single-family home or 15% of the purchase price for a 2-4 unit multi-family property; and
  • Submit the property address and desired offer price to Zeus Group for approval prior to submitting the offer to the seller or the listing agent.
• Change of Loan Terms: Appraisal Coverage guarantees that the sum of the down payment amount, the loan fees shown in Boxes A and B of the Loan Estimate, and the lender credits will not increase due to the appraisal coming in lower than expected. Taxes and hazard insurance are subject to change due to factors outside of the appraisal valuation.
• Property Limitations: Appraisal Coverage only applies where homebuyers occupy the property as their primary residence. It is not available for multi-family properties in excess of 4 units, properties being sold following foreclosure, or if the property condition is rated by the appraiser as C5 or C6 under Fannie Mae's property condition ratings.

Zeus Group Price Match Terms and Conditions

Zeus Group utilizes an automated AI model to offer the absolute lowest rates in the market. In the event you find a lower rate, Zeus Group will match another lender's "Offer," subject to the following terms and conditions:

• Offer: The "Offer" that Zeus Group will match is the combination of interest rate, lender credits associated with the interest rate, rate lock period, and origination charges.
• Competing Loan Estimate: To qualify, the homebuyer must provide a valid, unaltered Loan Estimate produced by a licensed mortgage lender to Zeus Group during business hours that is less than one business day old, offering a conventional mortgage on identical terms.
• Certain Lenders Excluded: Zeus Group does not match offers from credit unions or other organizations with membership requirements.
• Must Exercise Before Rate Lock: Homebuyers cannot exercise Price Match after they have paid their upfront application fee and locked their interest rate with Zeus Group.

Friends of Zeus Group Terms and Conditions

Homebuyers who provide Zeus Group with a valid Friends of Zeus Group referral link will receive a $750 lender credit at closing, subject to the following terms and conditions:

• Rate Lock: The homebuyer must provide the valid referral link to Zeus Group prior to locking their interest rate.
• Combinable: Homebuyers can combine Friends of Zeus Group with Zeus Group Price Match.
• Applied at Closing: The $750 lender credit will be applied strictly at closing.