ZZ Lending
Zero Points, Zero Fees mortgages for home purchases and refinances. ZZ Lending is a full service online mortgage company. We offer FREE, FAST, and EASY quotes! Call us or email us for a free rate quote and start saving on your monthly payment with a low mortgage rate.
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Your local mortgage professional with a hands on approach.
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Full Service Lending and Real Estate Company: Our team is committed to providing our clients with the highest quality financial services available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the lowest rate no matter what your needs are. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private. Our name that is trusted throughout the community. To speak directly with an experienced mortgage professional simply give us a call anytime or feel free to utilize any of the interactive tools offered throughout the site. We look forward to working with you. NMLS 50833 Company NMLS#50833 Broker of Record Chris Beard NMLS#1543
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We specialize in residential home loan mortgages and refinancing. With 25+ years of experience, we've been able to serve clients with every kind of financial situation and special circumstances. We pride ourselves in always being available for our clients, being one of the quickest in the industry to close loans, and for treating every client as if they're family.
My team is committed to providing our clients with the highest quality financial services possible. We will work with you one-on-one to tailor a financial solution that is specifically suited to meet your financing needs. Whether you are purchasing your dream home, refinancing a current loan, or consolidating debt, our highly experienced team can help you find the right loan program, no matter what your needs are. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come! Excellent Service, Extraordinary Experience
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At Homeowners Mortgage & Equity, Inc., we focus on matching every borrower with the right loan—not just the one that’s easy to approve. Our team excels in: Purchase Loans & Fast Pre-Approvals – clear guidance for first-time buyers and repeat homeowners. Refinancing & Cash-Out Strategies – lower your rate, shorten the term, or tap equity for renovations or debt consolidation. Reverse Mortgages – FHA-insured HECM and proprietary options that let homeowners 55+ access tax-free cash while staying in their homes. Jumbo & Super-Jumbo Loans – competitive solutions for higher-value properties and complex income profiles. FHA, VA & USDA Programs – flexible government-backed financing with low down-payment requirements. Investor & DSCR Loans – simplified underwriting for rental properties, fix-and-flips, and short-term rentals. Self-Employed & Bank-Statement Loans – alternative documentation programs tailored to entrepreneurs. Home Equity Lines of Credit (HELOCs) – revolving credit lines that keep your cash flow flexible. From application to closing, you’ll receive one-on-one guidance, transparent status updates, and strategies designed to build long-term wealth through real estate. Whether you’re buying your dream home, expanding a rental portfolio, or planning for retirement, we’re here with solutions that fit your life and goals.
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We offer loans for conventional mortgages, Federal Housing Administration (FHA) mortgage loans, Veterans Administration (VA) mortgage loans and refinance loans, we have cash out options, we have options for 10 year mortgages, 15 year mortgage loans, 20 year mortgages, 25 year loans, and 30 year mortgages. DSCR - Debt Service Coverage Ratio, Non-QM, bank statement loans, Construction loans, home equity lines (HELOC) and fixed home equity loans, debt consolidation mortgage loans. Reverse mortgage loans, jumbo mortgages, loans for investment properties and much more. Please speak with one of our licensed professionals for details on which of these programs are right for you.
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