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Zigzy Reviews


bestfor-icon A mortgages expert

Written by Angela Mae

About Zigzy | Read More


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  • zigzy@zigzy.com
  • 855-659-4499
  • Headquarters: 6504 International Pkwy Suite 1300, Plano, TX 75093
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Zigzy Mortgages Review

Zigzy Mortgage offers several types of home loans and refinancing options, including conventional loans, FHA loans, and cash-out refinance loans. This is primarily done through Zigzy’s Buyer Accepted program, which is funded through their direct lending division, New American Funding.

The advantage of going this route is that it can help you become a cash buyer. This could save you money – if the seller is willing to sell below the asking price – and make it easier to buy property.

Zigzy Mortgages Highlight


Min Credit Score


APR. Fixed Rate


Repayment terms


Soft Credit Pull


Lender Type


Underwriting Fee


Other Fees


Origination Fee

None (for VA loans)

Prepayment Fee

14 Days

Funding Time



Pros & Cons

  • con-icon Offers a unique way to buy real estate through their affiliate, New American Funding, and the Buyer Accepted program
  • con-icon Lender credit is available if you use their matching service
  • con-icon May be able to refinance an existing mortgage loan
  • con-icon Variety of home loans
  • con-icon Rates and terms not very transparent
  • con-icon Required to sell your current home, if you have one, within 90 days
  • con-icon Cash offer only available for single-family residences that aren’t newly built, manufactured, or condos.

Mortgage Type

  • Mortgage Purchase
  • Mortgage Refinance
  • FHA
  • USDA
  • VA
  • Jumbo

Zigzy Mortgages Terms & Requirements

Zigzy Mortgage offers a variety of home loans and refinancing options. Unlike many direct lenders and marketplaces, the rates, terms, and eligibility requirements are not clearly indicated. You’ll need to apply or speak with a representative to get specific details on the financing options.

With that in mind, most mortgage lenders require basic contact, financial, and credit information (credit score). You will also need to indicate whether you have a real estate agent, as well as the estimated price of the property you want.

Zigzy does not provide cash offers for manufactured homes, condos, or new construction.

How to Apply

Zigzy’s application is online, secured, and easy to fill out. Simply click “Get Started” and you’ll be directed to the application page. From there, fill out the following information:

  • First and last name
  • Whether you’re buying or refinancing a home
  • Property type (ex. multi-family home, mobile home, other)
  • Whether you’re a first-time home buyer
  • When you plan to purchase
  • Location of property (state)
  • Estimated purchase price of the home
  • Whether you’re working with a real estate agent
  • Estimated credit score (no effect on credit)
  • Email address and phone number
  • How you heard about them

Once you’ve completed this form, click “Submit” and wait to receive a quote or preapproval.

At this stage, you don’t need to create an account or provide any documentation. Zigzy’s network of partners may contact you about mortgage loans, real estate services, or related services via phone, email, or regular mail. From there, the process depends on the specific company.

Qualification Requirements

Min. Credit score 580 for FHA loan, 620 for conventional loan
Min. debt-to-income ratio 43% maximum
Min. annual income Undisclosed
Min. age of borrower 18 or 21
Citizenship/residency US citizen or permanent resident

Required Information

To receive a quote from Zigzy, you don’t need to provide any documents. You will, however, need to disclose some basic information. This includes your name, contact information, estimated credit score, and some details about the property you want to buy.

Applying for a home loan may require additional information and documentation, such as proof of income/employment and a credit check. Certain loans may require more documentation.

Application Steps & Time Frames

  • The process starts with a brief online application through Zigzy’s main page that results in an estimate of what you could get. This is immediate.
  • After this, Zigzy’s partners will contact you about home loans, refinancing options, and related products and services.
  • The time to funding varies but can be within 14 business days.

State Availability

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

Not Available - Hawaii, New York

Written by Angela Mae

Angela Mae is a personal finance writer specializing in loans, debt management, investing, retirement planning, and financial literacy. She comes from a journalistic background and pulls from hands-on experience and deep-dive research to breathe life into her stories. Her goal is to help others achieve financial stability and independence. When not writing, she can be found traveling, honing her yoga skills, hiking, or exploring new means of healthy, sustainable living.



What are Zigzy’s main home loan types?

Zigzy offers many types of home loans, including FHA loans and conventional loans. They also offer cash-out refinancing and other forms of refinancing.

Does Zigzy require you to sell your current home?

If you currently own a home, you have 90 days to sell it after making a cash offer through Buyer Accepted, Zigzy’s affiliated company.

Does Zigzy have any real estate agent fees?

Zigzy can match you with a local real estate agent. There are no fees for this service.

Customer Support

The best way to contact Zigzy is via phone at 855-659-4499. This directs you to their customer care team, which can also help you with the application process if needed. Generally, the team is responsive and knowledgeable about any questions you may have.

There is no live chat feature, nor are there bots. For queries that don’t require a fast response time, contact the team via email. It typically takes a couple of business days to receive a response.

Privacy & Security

Zigzy Mortgage’s privacy policy page indicates that they collect “Personally Identifiable Information.” This is standard information you provide when applying for a loan, requesting a quote, and so forth. It may include your contact information, name, or Social Security Number.

Like many online lenders, Zigzy may share specific information with their service providers or as required by law. This is typically done to help improve user experience, improve their products, and provide relevant ads.

Zigzy uses standard security measures to try to prevent data breaches or leaks. This includes encryption technology to keep application details secure. However, as with other online companies, these measures are not 100% secure.

In Conclusion

Zigzy Mortgage prides itself on making the home-buying experience as easy and stress-free as possible. Their model is to make a cash offer on your behalf and then have you take out a mortgage from them. This increases the odds of you getting the property you want – sometimes for a lower price.

The main drawback is that Zigzy doesn’t disclose much information about their mortgage amounts, repayment terms, fees, etc., until you apply. They also don’t clearly list their eligibility requirements, such as whether you must have good credit to qualify.

Brand Disclaimer

Loan products offered by Broker Solutions Inc. dba ZigzyTM. NMLS #6606. Terms and Conditions apply. Loan products subject to credit and property approval. Not all applicants will qualify. Products not available in all states. ZigzyTM makes Customer Service our number one priority. We encourage you to contact us for complaint resolution or any questions you may have regarding the servicing of your loan. We strive to have your experience with ZigzyTM a stellar one. In the rare case that our service did not meet your expectations, please call our customer care at 855-659-4499 or you may contact us by email zigzy@zigzy.com. Please leave a detailed message and we will follow up with you no later than the end of the next business day. All Rights Reserved. Texas licensed location: 6504 International Pkwy, Suite 1300 Plano, TX 75093. Ph 855-659-4499. This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.