A New, Smarter Way to Buy a Home

What is pre-qualification?

Pre-qualification is the first step in the home-buying process. It’s an estimate of how much money a lender is willing to let you borrow for a home purchase.

Should I get pre-qualified before finding a home?

Yes. Pre-qualification helps you know your budget, saving time during your house search by focusing on homes within your price range.

What’s required for pre-qualification?

To get pre-qualified, you’ll need to provide financial information such as your income and debts. The lender will also perform a credit check.

How long does pre-qualification take?

Pre-qualification is usually quick. Once you submit a loan application, the lender will run your credit to determine your qualifying amount and rate.

How can I check my credit score?

You’re entitled to one free credit report annually from each major credit bureau. Visit www.annualcreditreport.com to obtain yours.

Why should I get pre-qualified now?

Sellers prefer buyers who are pre-qualified, as it shows you’re serious and financially prepared. You can’t submit an offer without pre-qualification.

What is the zHomebuyer experience?

The zHomebuyer experience is a unique program allowing you to shop for the best rates (and grants, if applicable) without credit impact, while reducing risk through REZITRADE’s equity protection plan.

What is zBROKR?

zBROKR is our team of mortgage specialists powered by partnerships with Loan Factory and REZITRADE. We help you find the best mortgage rates and fees while protecting your home investment.

Who is Loan Factory?

Loan Factory is a mortgage broker accessing over 180 lenders. They’re licensed in 48 states and known for competitive offers without credit pulls.

Who is REZITRADE?

REZITRADE is innovating residential real estate with an index-based platform, offering solutions like Home Price Protection for homebuyer peace of mind.

Where are your services available?

Loan Factory operates in 48 states. REZITRADE’s home price protection is currently available in 9 states.

What is home price protection?

It’s a safeguard against housing market declines. If local home values drop, you may become eligible to receive a cash payout to offset potential losses.

Does home price protection increase my mortgage costs?

No, your mortgage costs stay the same. REZITRADE’s protection is included at no extra charge when available in your geographical location.