VIP Mortgage

Buying a home could be stressful as you may not get transparencies from other banks, brokers and lenders. I understand your frustration and to make the loan loan process smoother we ask you to sign the VIP Mortgage agreement and get following loan benefits. No one is twisting your arm and there is not a requirement to sign if you don't want to work with us. Before you sign the VIP Mortgage agreement I will spend 15 - 20 (on zoom) mins to answer any questions you may have.

  • Loan Guarantee*: If we are unable to beat the lender credit, interest rate (%) or closing cost ($) associated with the loan, we will pay you $500 CASH* at time of closing. You will need to obtain Loan Estimate from a lending institution within 3 days of the date of this guarantee. Visit zeroclosingloan.com for interest rates, APR, monthly payment, lender credit and itemized fee sheet. Learn More...

  • Free Loan*: As part of doing business with Zero Closing Loan, we will provide a loan for Free. You will not pay any loan points, loan origination, processing, or underwriting fee. You are responsible for appraisal ($550), home inspection fees ($350), property taxes, home insurance ($600) & daily interests. CASH SAVING: $4,550

  • We will provide you a Free 5-Day loan lock extension at our cost. We can lock for 180 days.

  • If the rate drops more than 0.25% in the first 10 days from the rate lock day, we will negotiate with the lender to get you a lower interest rate.

  • Eligible for a lifetime refinance guarantee, after 180 days from the closing. You can use the Lifetime Guarantee for both rate & term and cash out refinance transactions. No limits.

  • Communicate with your buyer agent and seller agent throughout the process. Maintain fiduciary duties towards you as my client.

  • Help improve your score for Free. Not cost to you. Rescore will help you get lower rate, more lender credit, and lower PMI! Learn More...

  • Fund loan in 21 day or less. Find out how we do it? Learn More...

  • Provide you the mortgage analysis / options to help you understand the best mortgage for you. Learn More...


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