Purchase
“I am buying a condo.”
Ziplend Mortgage offers condo loan programs – including Jumbo Loans – up to $3.0 million.
“I want awesome benefits!”
While FHA and other government loans can have certain property restrictions, a conventional loan can be used on nearly all property types.
“I live in a high cost area.”
If you want to buy in an area considered high cost, or where properties typically exceed loan limits set annually by the Federal Housing Finance Agency, our high balance mortgage loans may be the solution you’re looking for.
“My age is 62 or over and I don’t want a mortgage payment.”
When a homeowner has built up considerable equity in their home, it’s an opportunity to turn that equity into cash for meeting certain needs.
“I don’t have a lot of money for a down payment.”
FHA financing was developed to provide homebuyers with an alternative to conventional financing and include attractive and flexible guidelines.
“I am a military veteran or am actively in the military.”
The VA Mortgage is a government-based product offering 100% financing of the reasonable value of the property, with less restrictive qualifying terms than conventional programs.
Refinance Tips
Lower Your Monthly Mortgage Payment
A drop of just one half to three quarters of a percentage point in interest can lower your monthly payment by hundreds of dollars.
Going From An Adjustable Rate To A Fixed Rate
Are mortgage rates rising or falling? If you have an adjustable rate mortgage (ARM), it may adjust to a rate that’s higher than a fixed-rate mortgage.
Get Cash From Your Home
The equity you have in your home can act like a savings account that you could access through a home equity loan or a cash-out refinance.
Consolidate Your Debt
The difference between credit card debt and a mortgage can, financially speaking, mean thousands of dollars.
Loan Checklist
Having all necessary documentation up front saves time so your loan can close smoothly and quickly.
2 years of tax returns
2 years of W-2s
If self employed, 1099s and copy of business license.
Most recent bank statements (all accounts and all pages).
Explanation (signed and dated) of any deposits over $1,000 other than normal pay into accounts.
Most recent pay stubs (minimum of 30 days).
Copy of driver’s license.
Explanation (signed and dated) of any inquiries on credit report.
Mortgage Statement, Insurance Declaration Page, and most recent tax statement for all other properties owned.
Divorce Decree and Separation Agreement (if applicable).
Copy of Earnest Money Check & Purchase Contract.
Ziplend Inc.
Ziplend is located at:
1590 S Coast Drive Suite #7
Laguna Beach, CA 92651
(866) 849-3551
Ziplend Inc. operates under the following licenses:
NMLS ID# 2422533 | CALIFORNIA DRE Lic# 02199019 | COLORADO Lic# 2422533 | FLORIDA Lic# MBR6128 | OREGON Lic# 2422533 | TEXAS Lic# 2422533 | UTAH DRE Lic# 12995681
TEXAS SML Lic# 2422533 CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV
To check the licensing under the Nationwide Mortgage Licensing System, visit NMLS Consumer Access;
This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines.