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Zero Mortgage Refinance Loan

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Get better loan terms, lower your monthly payments or convert a portion of your equity to cash. 
Save Money By Refinancing Your Home Loan
Established In
Home Loans Originated
Over $36 Billion
Solutions For
Borrowers and Brokers
Average Rating Click here to show the sources used to calculate this average rating.
Better Business Bureau (BBB)


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Product Name

Zero Mortgage Refinance Loan.

Product Description

Get better mortgage terms with a refinance loan from Zero Mortgage.

Industry Experience

Zero Mortgage has over 21 years of experience in the mortgage industry.

Loan Options

Choose from a rate-and-term or cash-out refinance.


Zero Mortgage does not assess origination, processing or underwriting fees.


Get started online with a simple online application.

Zero Mortgage offers home refinance loans to help you get better loan terms, lower your monthly payments or convert a portion of your equity to cash.

Zero Mortgage: Overview

Zero Mortgage is a direct mortgage lender that opened its doors in 2001. It has since morphed into a leading home loan provider with over $36 billion in originations to date and a wholesale component to help mortgage brokers grow their businesses. Zero Mortgage is also accredited by the Better Business Bureau with an A rating.

In this guide, you’ll learn more about refinancing loan options, how they work, and why Zero Mortgage could be the right fit to help you refinance your current home loan.

What is a Refinance Loan?

There are two types of refinance loans to choose from:

  • Rate-and-term: Have interest rates improved since you took out your mortgage? Or maybe your credit score is higher, and you can potentially qualify for better terms? Either way, a rate-and-term refinance may be ideal. This solution can also help make your mortgage payments more affordable by extending your loan term.
  • Cash-out refinance: This type of mortgage lets you pull cash from the equity you’ve built up in your home. You’ll also get a new mortgage with new terms, and the amount of equity you borrow will be added to the loan.

Zero Mortgage Refinance Loan Review

Zero Mortgage offers home purchase loans and mortgage refinance. Let’s review how they can help you better loan terms, lower your monthly payments or convert equity to cash.

Reasons to Refinance a Loan with Zero Mortgage

There are several advantages of refinancing your current mortgage with Interfirst:

  • Get lower interest rates to minimize borrowing costs
  • Switch to a different loan, like a fixed-rate mortgage instead of an adjustable-rate mortgage- to get more predictable monthly payments
  • Borrow money using your equity with a cash-out refinance
  • Shorten your loan term to possibly save a bundle in interest

What You Need to Qualify for a Refinance Loan with Zero Mortgage

It varies by the refinance loan option you select. Consider getting preapproved with Zero Mortgage or reaching out to a knowledgeable loan advisor to learn more about the eligibility criteria.

Fees and Costs to Refinance Loan with Zero Mortgage

You won’t be on the hook for application, processing or underwriting fees when you refinance with Zero Mortgage. However, expect to pay closing costs like you would if refinancing with any other lender.

What is the Typical Process of Refinancing a Home Loan with Zero Mortgage?

Here’s an overview of the refinance process:

  • Get prequalified for refinancing.
  • Submit a formal application.
  • Get approved and close on your new loan.

How to Refinance a Loan with Zero Mortgage

Connect with a loan advisor by submitting an online inquiry. You can also use the online prequalification tool to view your approval odds.

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