Interest rates, loan programs, terms, and conditions presented on this website are provided for informational and advertising purposes only and are subject to change without notice.

Loan availability, interest rates, and terms may vary based on your credit profile, loan amount, property type, location, and current market conditions. Not all applicants will qualify for the lowest advertised rates or products. Actual rate, payment, and loan terms will be provided by the lender only after a full application and credit approval.

The information on this website does not constitute a loan offer, commitment to lend, or guarantee of approval. All loans are subject to underwriting approval by third-party lenders.

Par Rate Mortgage, Inc. / ZenLoanz.com is a California-licensed mortgage broker. We do not make or fund loans. All loans are arranged through third-party lenders.