Zero Mortgage Review
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Zero Mortgage Reviews

Ali Rivzi


Ali Rivzi

Zero application and processing fees
Zero application and processing fees
About Zero Mortgage

Zero Mortgage, owned by Interfirst (corporate name Chicago Mortgage Solutions LLC), was founded in 2001. Initially, they were a retail originator and expanded into the wholesale channel in 2008. They went on to develop partnerships with mortgage brokers in all the states where they were licensed. Interfirst’s team has more than 100 years of mortgage, sales/ marketing, and consumer-related experience, which helps them tailor their mortgages to each individual and deliver a personalized experience. The company has funded and originated more than $50 billion in mortgage loans and pride themselves on their technology and automation, which helps them be faster and more efficient. Through artificial intelligence, they streamline processes and remove redundancies lowering the cost of their operations, which they then pass as savings on to their customers.









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 Highlights


min $100,000


10-30 years




30-45 days















Pros & Cons

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

zero mortgage step 1 Get-your-quote
Step 1

Welcome screen

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.

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.

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.

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.

Phone Support
(800) 520-7087
9am-5pm CT

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.


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.

Zero Mortgage 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.


This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also review brands we are not engaged with). These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.


Ali Rivzi

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.