Interest Rate Disclaimer
Par Rate Mortgage, Inc. / ZenLoanz.com makes every effort to ensure the interest rates displayed on this website are accurate and up-to-date. However, all interest rates are subject to change without notice and may vary based on individual qualifications, loan amount, credit profile, property type, location, and other underwriting factors.
Important Disclosures
- Rates shown are for informational and illustrative purposes only and do not constitute a loan offer or commitment to lend.
- Actual rates and terms will be determined by the individual lender at the time of application and are subject to approval.
- Interest rates are provided based on assumed loan scenarios, such as:
- Owner-occupied single-family residence
- Excellent credit (typically 780+ FICO)
- 20% down payment or 80% loan-to-value
- Conforming loan amounts (unless otherwise stated)
- No subordinate financing
- Fully documented income and assets
- These scenarios may not apply to your individual situation. Rates and terms will vary if different assumptions apply.
- Annual Percentage Rate (APR) estimates may include a general assumption for standard closing costs, but actual APR will depend on lender fees and loan amount.
- Rate comparisons shown on this site may not include all applicable costs, fees, taxes, or insurance.
Third-Party Lender Control
Par Rate Mortgage, Inc. is a licensed mortgage broker and does not set or lock interest rates. All rate decisions and lock terms are solely determined by the lender you are matched with.
No Guarantee or Obligation
Displaying an interest rate or APR on this website does not guarantee availability or eligibility. Loan approval, rate lock, and terms are subject to underwriting and lender guidelines.
Licensing & Regulation
Par Rate Mortgage, Inc. is licensed to broker mortgage loans in the State of California and complies with all applicable federal and state regulations, including those set forth by the California Department of Real Estate (DRE).
For questions about interest rates or loan scenarios, please contact us directly:
- Phone: (415) 828-1128
- Email: customerservice@parratemortgage.com