Securing your foundation, mortgage pre-approval empowers you to make informed real estate decisions.Apply Now
Embark on the journey of finding your perfect abode, where dreams and reality merge during house shopping.Apply Now
Streamlining the path to financial opportunities, one application at a time.Apply Now
The Loan Process
Navigate the loan process with ease, as financial experts guide you towards your homeownership dreams.
Our Core Service
We take pride in offering personalized guidance and seamless experiences, ensuring our clients find the perfect foundation for their homeownership journey.
Purchase New Home
Experience a seamless journey to homeownership with ZAPA Mortgage, offering competitive rates and expert guidance for your new house purchase.
- Determine your budget and secure financing options.
- Research and explore potential neighborhoods and properties.
- Engage a reputable real estate agent to assist you throughout the process.
- Conduct thorough inspections and negotiate the best deal before finalizing the purchase.
One-Time Close New Construction Loan
One-Time Close New Construction loans – from ground-breaking to move-in day simplicity and convenience.
- One-Time Close New Construction loans streamline the financing process for building a dream home.
- You can secure funding for both construction and permanent financing in a single loan.
- These loans offer simplicity and convenience, eliminating the need for multiple applications.
- ZAPA Mortgage's One-Time Close New Construction loans make it easier
Refinancing Your Home
Maximize your savings and secure your financial future by refinancing your home with ZAPA Mortgage's competitive rates.
- ZAPA Mortgage is your expert partner for home refinancing.
- Lower your monthly payments with our competitive rates.
- Experience exceptional customer service and tailored refinancing solutions with ZAPA Mortgage.
- Maximize your home's equity and fund important projects with ZAPA's efficient refinancing solutions.
Here Is Our Roadmap
You’re In Right Place!
Welcome to the perfect destination tailored to meet your needs and aspirations. Discover the ideal space where your dreams find their home.
You Can See The Map
Discover hidden treasures, traverse uncharted lands, as the map unveils its wonders to behold.
How Do You Qualify For A Loan?
To qualify for a mortgage loan, you need to meet certain criteria set by lenders. These include having a good credit score, stable income and employment, a favorable debt-to-income ratio, and a sufficient down payment. Lenders also consider factors such as loan-to-value ratio, employment history, loan type, and financial documentation. However, meeting these criteria does not guarantee loan approval, as lenders may have their own requirements. It's important to consult with multiple lenders and seek guidance from a mortgage professional to determine your eligibility and explore suitable options.
A Good Lender Will Clearly Explain Mortgage?
A good lender will take the time to clearly explain the intricacies of mortgages to borrowers. They will provide information on different loan options, detailing their features and potential risks. Eligibility requirements, such as credit score and income criteria, will be thoroughly explained, along with the necessary documentation. A good lender will also outline the costs and fees involved in obtaining a mortgage and help borrowers understand the process and timeline from application to closing. They will discuss potential risks and considerations, ensuring borrowers have a comprehensive understanding. Throughout the process, a good lender will maintain open communication, address concerns, and provide support. Overall, they prioritize clarity, transparency, and education to empower borrowers in making well-informed decisions.
Can You Get A Mortgage Without A Credit Score?
While it is challenging, it is possible to obtain a mortgage without a credit score. Traditional lenders typically rely on credit scores to assess creditworthiness, but alternative options exist. Manual underwriting involves a thorough evaluation of other financial aspects such as income and payment history for non-debt obligations. Non-traditional credit sources like rental payment history can also be considered. FHA loans offer more flexible credit requirements, accommodating borrowers with limited or no credit history. Having a co-signer or guarantor can increase approval chances. It's important to note that alternative options may come with stricter requirements or higher costs. Exploring different lenders and consulting with a mortgage professional can provide guidance in finding the best fit.
How Much Home Can You Afford?
Determining how much home you can afford depends on various factors such as your income, expenses, debt-to-income ratio, down payment, credit profile, and interest rates. To estimate an affordable home price, calculate your debt-to-income ratio by dividing your total monthly debt payments by your gross monthly income. Assess your budget and determine how much you can comfortably allocate towards a mortgage payment, considering other expenses. Decide on a suitable down payment amount and factor in additional costs like property taxes and insurance. Getting pre-approved for a mortgage provides a more accurate estimate, and it's important to consider long-term financial goals. It's crucial to review your financial situation, seek guidance from a mortgage professional, and use affordability tools to make an informed decision about the home you can afford.
People Are Saying
ZAPA Mortgage is the best and all the employees work in that company they are really helpful and cooperative I will definitely recommend others Mr Edi Shek will guide you the best of his knowledge and Mr noman is the best person in his team who will help you out through out the process .
Great service, friendly people. They helped me close on time and guided me throughout the process. I would absolutely recommend them. Specially if you are the first time homebuyer.
Very experienced and professional, sheik Adi the guy for all of your mortgage needs . Work with Hamza and rest of the staff all are professional and very responsive.
Edi, Nida Aqsa are great to work with them.. it's apparent that they care about their clients and getting their loans done quickly.. I highly recommend their service..! I had very good experience with ZAPA mortgage..! 😊😊
Rizwan A AhmadBorrower
Professional and experienced people. The entire closing process was very smooth, and they worked pretty well within my very strict timeline. Thanks to all ZAPA team members.
I had a wonderful experience working with ZAPA TEAM, especially Edi and Aqsa. I must say they care about their clients getting their loan case processed quick and smooth. I strongly recommend ZAPA Mortgage. Mansoor Baweja
The whole team of Zapa mortgage is awesome and special shout out to Edi bhai,Zonara,Nida,ushaji and the whole team behind the scenes which I didn’t get in touch with specially if you are business owner or self employed.( business owner in my case) Thank y’all for helping our family getting loans for 3 houses! They have been helping us every-step of the way from applying the loan till closing from lender. Edi bhai have always been available to answer any questions long before we started the loan process. I highly recommend to use them and refer them to any other people who have mortgage needs and I will definitely do that in near future.
Edi, Usha, Zahra and Nida are great to work with. From an industry standpoint, it's apparent that they care about their clients and getting their loans done quickly (8 day CTC!) and professionally. I look forward to continuing to work with them and highly recommend their services. - Michele Bevaque, UWM
I enjoyed working with Zapa mortgage because Edi Shek and the team are professional and help with streamlining the entire process. The comfortable transition into my new home is unmatched! I recommend using Zapa Mortgage.
It was a great experience. I had a very busy schedule but Edi, Saif, Syed and their team worked expeditiously to help me achieve the fastest closing with the best rate in the market, always stayed on top and helped understand and meet lenders requirements in a timely and effective manner. Much appreciate!
Aqib from Zapa Mortgage is hand down best Lender i’ve ever worked with made my process go extremely smooth, low rates, and almost instant turnaround time Aqib was. there for me every step of the way and was communicative with me 24/7 this was the first home i’ve worked on with him and i plan to work him for many more
The team is super , every single person in Eddie sir team is very educated and guided me and my client a whole process of mortgage. Zapa Mortgage is great, as an agent highly recommend to my every single client.
Gul Zeb SyedBorrower
Thank you Zapa mortgage team for a smooth process. Specially Noman, who was always there for any questions. Highly recommended!!
It was great working with Zapa mortgage, I was able to close on time and was guided by then throughout the process. I would definitely recommend them 👍
Allaahumma Baarik. Best Mortgage Team. All team members, Very professional, patient and helpful. Thank you EDI Brother and Team.
Excellent service, explained everything, made it really easy to close on time, Highly recommended!
The staff was very friendly and patient with us while also educating us throughout the process of the mortgage. They were also able to solve any problems we were having. Would definitely recommend them as brokers.
Wonderful experience as always. It’s been couple of years working with Zapa mortgage. Brother Edi & his team will work tirelessly for their clients.
Syed Muhammad Sulaiman AkramBorrower
I had a wonderful experience with ZAPA. Especially Edi and team Polaris. They helped a lot in mortgage stages and easing in my home buying experience.
Great experience, Got me a home mortgage loan with better interest rate than expected ! Really