Nationwide Mortgage Solutions Turning Dream into Reality!

Why Choose Loans By Zip Code?

At Loans By Zip Code, we understand that navigating the mortgage landscape can be daunting. That’s why we’re committed to providing fast, flexible, and reliable financing solutions that cater to your unique needs. Whether you’re looking for conventional loans, FHA financing, VA Loan, or specialized mortgages for self-employed individuals, we’ve got you covered nationwide, with a special focus on Illinois, Texas, New York, and Florida.

Our Competitive Edge

Speed and Efficiency

Our streamlined approval process ensures you can secure funding quickly, often within 24 hours. Avoid the lengthy waits and uncertainty of traditional financing.

Flexible Loan Terms

From conventional loans to self-employed mortgages, we offer customizable terms that fit your specific financial situation. Our goal is to provide you with the best possible terms to achieve your homeownership dreams.

Expert Guidance

With years of industry experience, our team offers not just funding, but also valuable insights and support throughout your mortgage journey. We’re here to guide you every step of the way.

Our Mortgage Options

Conventional Loans

Down Payment as Low as 3%: Affordable entry into homeownership.
Wide Range of Down Payment Options: Tailored to your financial capabilities.
Fixed or Adjustable Rates: Options for primary, second homes, and investment properties.
No Mortgage Insurance with 20% Down: Save more with higher equity.

12-Month Bank Statement / Self-Employed Mortgage

As Low as 10% Down: Flexible down payment options.
FICO as Low as 580: Accessible for those with less-than-perfect credit.
No Tax Returns or Profit Required: Simplified documentation.
Only 2 Years in Business: Perfect for newer businesses.
30 Year Terms: Long-term stability.
Purchase and Refinance Options: Flexibility to meet your needs.
Single Digit Interest Rates: Competitive rates for qualified borrowers.

FHA Financing

100% FHA Financing

3.5% Down Payment Forgiveness: Make 36 on-time payments and have your down payment forgiven.
5% Down Payment & Closing Cost Assistance: Extra support to ease your financial burden.
Second Mortgage with 10-Year Term: Competitive rates to complement your primary mortgage.
Flexible Requirements: Including 600 credit score, up to 6% seller concession, and non-occupant co-borrowers allowed.

Freddie Mac Refi Possible

Up to 97% LTV: High loan-to-value ratio.
Max DTI 65%: Flexible debt-to-income ratio.
Lower Interest Rate: Reduces by 0.5% and monthly payments by at least $50.
Income Eligibility: At or below 80% of area median income (AMI).
$500 Credit at Closing: For existing appraisal.
Up to $5,000 in Closing Costs: Cash-out limited to $250.
Reduced Documentation: Simplified process for ease and speed

Additional Products Available but not limited to Refinances, Jumbo, Asset Utilization and No Tax Return Loans.

Success Stories

 5/5

Partnering with Loans By Zip Code was the best decision for my investment. The quick funding allowed me to secure a prime property I would have missed with traditional lenders. Their team was incredibly supportive and knowledgeable.

How It Works

Apply Online

Complete our straightforward application form with key details about your mortgage needs.

Get Approved

Our team reviews your application and provides an approval decision within 24 hours.

Receive Funding

Funds are disbursed quickly, enabling you to move forward without delay.

Enjoy Your New Home

With the financing secured, you can focus on settling into your new home.

Ready to Get Started?

Don’t let financing hurdles stand in the way of your homeownership dreams. Contact us today to learn more about our mortgage options and how we can help you achieve your goals. Apply online or give us a call to speak with one of our mortgage specialists.