Submitting information through this website does not constitute a formal loan application and does not obligate you to proceed with any loan product or service.

You may explore mortgage options without commitment or obligation; however, once you submit a full loan application through this website, a credit report must be pulled to determine your creditworthiness. This step is required to identify eligible loan programs and rates and does involve a standard credit reporting fee.

Par Rate Mortgage, Inc. / ZenLoanz.com does not charge an upfront application fee for submitting initial inquiries. You are free to discontinue the process at any time before credit is pulled, without penalty or obligation.