Your Home Journey Starts Here
Buying a home should be exciting, not stressful. We make the mortgage process simple, transparent, and fast.
Estimated Monthly Payment
$1,770
Principal & Interest only
Get Pre-Approved in Minutes
Start your home search with confidence. Our process is designed to be fast, easy, and stress-free.
Easy online process
Answer a few questions and get custom loan options in minutes.
Zero credit impact
Get pre-approved commitment-free. No hard credit pull to start.
Shop with confidence
Know your buying power and move fast when you find the one.
How Buying Works
Three simple steps from conversation to keys in hand.
Chat with Zoey
Tell us about your goals and we'll match you with the right program.
Get Pre-Approved
A licensed loan officer reviews your file and locks in your rate.
Close on Your Home
Sign your docs and get the keys. We handle everything else.
Whatever Your Goal
Free resources to help you buy smarter and with confidence.
Why Buy with Zoom?
We make buying a home simple, fast, and stress-free. Real people, real answers, and a process designed around you.
- Close in as little as 12 days
- Licensed loan officers — not a call center
- $0 upfront costs to get started
- Licensed in 40+ states across America
- AI-powered pre-approval in minutes
What Our Clients Say
Real stories from real homeowners across the country.
“The team at Zoom made the entire process seamless. From pre-approval to closing, they were with us every step of the way.”
Satisfied Homebuyer
First-Time Buyer, Michigan
Ready to Make Your Move?
Get pre-approved in minutes. Chat with Zoey or call a licensed loan officer to get started today.
Our Purchase Programs
8 loan programs designed for every type of home buyer. Find your perfect fit.
Fixed Rate
Predictable payments for the life of your loan
- Consistent monthly payments that never change
- Available in 15, 20, and 30-year terms
- Protection from rising interest rates
- Easy to understand and budget for
FHA Loans
Government-insured with flexible requirements
- Down payments as low as 3.5%
- More flexible credit score requirements
- Government-insured for added security
- Competitive interest rates
VA Loans
The home loan you earned.
- No down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Limited closing costs
Jumbo Loans
Maximum flexibility for larger purchases
- Loan amounts above conventional limits
- Competitive rates for high-value properties
- Flexible terms and structures
- Available for primary and secondary homes
Investment Property
Financing for vacation and investment properties
- Available for 1-4 unit properties
- Rental income can help you qualify
- Fixed and adjustable rate options
- Portfolio and conventional options
DSCR
Qualify based on rental income, not personal income
- Qualify based on property cash flow
- No personal income verification needed
- Available for investment properties
- Unlimited number of financed properties
Bank Statement
Use bank statements to qualify, not tax returns
- 12 or 24 month bank statement options
- No tax returns required
- Designed for self-employed borrowers
- Competitive rates for non-QM loans
First-Time Buyer
Programs designed for new homeowners
- Low down payment options (as low as 3%)
- First-time buyer education and support
- Access to down payment assistance programs
- Flexible credit requirements