We receive advertising fees from the brands we review that affect the ranking and scoring of such brands.
Advertiser Disclosure

Zero Mortgage Reviews


bestfor-icon Zero application and processing fees

Written by Ali Rivzi

About Zero Mortgage | Read More


LS Score







Visit Site
Opening Hours Opening Hours drop-down-btn
Mon-Fri 9am-5pm CT
Sat-Sun Closed
Contact Information Contact Information drop-down-btn
  • info@zeromortgage.com
  • (800) 520-7087
  • Headquarters: 9525 W Bryn Mawr Avenue Suite 400 Rosemont, IL 60018
Social Media Social Media drop-down-btn

Zero Mortgage Mortgages Review

ZeroMortgage boasts a quick and efficient online application process, allowing customers to check their interest rates without any impact on their credit score. The service is free, with no application fees, lender processing fees, or hidden costs. It is important to note that ZeroMortgage does not offer VA, USDA, or FHA loans, and alternative credit scores, such as rental history, are not taken into consideration. Pre-approvals and pre-qualifications can be completed through the online application process, with a turnaround time of 1-2 business days.

Zero Mortgage Mortgages Highlight


Min Credit Score

Min $100K

Mortgage Amount

10-30 years

Repayment terms


Soft Credit Pull


Lender Type


Underwriting Fee


Other Fees


Origination Fee


Prepayment Fee

30-45 Days

Funding Time



Pros & Cons

  • con-icon Quick and efficient online application process
  • con-icon Free service, with no application fees, lender processing fees, or any other hidden costs
  • con-icon Usually taking 1-2 business days to process pre-approvals and pre-qualifications
  • con-icon Does not offer VA, USDA or FHA loans
  • con-icon May have limited options for customers with complex financial situations
  • con-icon High credit score requirements

Mortgage Type

  • Mortgage Purchase
  • Mortgage Refinance
  • Fixed
  • Adjustable
  • Jumbo

Zero Mortgage Mortgages Terms & Requirements

ZeroMortgage offers conventional, jumbo, fixed-rate, adjustable-rate, investment property, rate-and-term, and cash-out refinancing. Their typical loan durations are 10 to 30 years. Other terms of loans differ depending on the customer’s profile (income, savings, credit score, loan type). Their website doesn’t list any requirements or interest rate offer – prospective clients need to fill out applications to know their rate or call their number and talk to a loan officer. Depending on the person, getting a loan from ZeroMortgage can be easy and efficient for someone looking to go through the entire process online or by phone while saving on fees and costs related to going into physical office locations.

How to Apply

To apply for a mortgage with ZeroMortgage simply go to their website and on the homepage click “Get Your Quote”. This will take you to the application where it will ask you questions relating to your income, credit score, type of property you are looking to buy, zip code, budget, downpayment, and contact information.

Qualification Requirements

Min. Credit score Min 620 required
Min. debt-to-income ratio N/A
Min. annual income N/A
Min. age of borrower N/A
Citizenship/residency Must be a citizen or permanent resident


Required Information

To get pre-qualified for a mortgage with ZeroMortgage, customers fill out an application by either calling their listed phone number or filling out an online application. They will ask questions relating to your income, budget, credit score, and desired loan. Some customers may need to provide additional documents depending on their individual circumstances.

Application Steps & Time Frames

  • Fill out a short online application (5-7 minutes)
  • Receive an email within 1-2 business days about your pre-approval
  • Get a locked interest rate for 90 days
  • Find and put an offer on a house
  • Close within 30 – 45 days

For people that require efficiency and simplicity, this process is the best there is. ZeroMortgage is an industry leader in online-only mortgage solutions.

State Availability

Available - Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin

Not Available - Massachusetts, Nevada, New Jersey, New York, Vermont, Washington, Wyoming

Written by Ali Rivzi linkedin-icon

Ali Rizvi is a published author, financial analyst, and market researcher. He's passionate about providing in-depth insights and analysis in the finance and blockchain industries. With a Bachelor's in Finance from Purdue University and a background studying abroad at the University of Cambridge, he brings a wealth of knowledge and expertise to the table.



What types of products and services does ZeroMortgage offer?

They offer a variety of loans and services including but not limited to: conventional, fixed rate, cashout, and investment property.

What is the duration of an average mortgage loan?

The term of the loan typically depends on the type of loan, the total amount owed and the amount of interest you will pay over time. Commonly mortgage loans are 15 or 30 years long.

What is the first step in the process for getting a mortgage loan?

Typically, the first step involves filling out an application and getting pre-approved. The amount you will be approved for will be dependent upon your income, savings and credit score.

Customer Support

ZeroMortgage, an online-only institution, has a contact us page on their website where customers can submit any questions or requests along with their contact information. A loan officer will reach out to you within 24-48 hours with a response. They also have a customer service phone number you can call during their business hours, and they will connect you with your respective state loan officer to answer any questions you may have.

Privacy & Security

ZeroMortgage takes standard security measures that comply with federal law to protect your information from unauthorized access. ZeroMortgage shares your information with its affiliates for marketing purposes, and you have the right to limit the sharing of information for marketing purposes. However, they share your information for their marketing and everyday business purposes; by law, you do not have the right to limit this.

In Conclusion

Getting a loan with ZeroMortgage is typically for people looking to complete the process virtually and quickly. ZeroMortgage is an online-only mortgage lender with a digital application and lending process. They pride themselves on their technology and automation process to lower costs for both the buyer and themselves. Their website has little to no information besides their application, address, and contact info; nothing related to their current interest rates or the documentation they would require from you. They also do not operate in every state. However, they offer a free pre-qualification process that doesn’t affect your credit score.

Brand Disclaimer

ZeroMortgage is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agencies that administer our compliance with these federal laws are the Consumer Financial Protection Bureau, 1700 G Street, NW, Washington, DC 20552, and the Federal Trade Commission, Equal Credit Opportunity, 600 Pennsylvania Avenue, NW, Washington DC 20580.