Mortgages
Z-Group International offers part-time or full-time pathways to financial independence for all experience levels through our Federally Chartered Bank Branches. For those new to the mortgage business, we offer extensive training that can make you a proficient mortgage loan officer in as little as 100 days. For the more experienced, the path can be shortened considerably, provided that you meet the Federally Chartered Bank employment requirements. In order to become a loan officer at any level, you must become an employee of one of our Federally Chartered Bank Branches.*
What are the benefits of a Federally Chartered Bank relative to a conventional broker?
- Lower interest rates for borrowers (better than wholesale).
- Brokered loans through our Strategic alliances with many other lenders.**
- Loan Officers do not disclose Yield Spread Premium (AKA Rebates).
- The ability to choose from over 102 different loan programs.
- Availability of FHA loans, VA loans, and other FNMA programs.
- Lend money in 48 states.
- No State Licensing requirements in ANY state.
- Fully automated (paperless) underwriting system.
- A truly revolutionary compensation system.
- Real Estate Agents can get paid overrides for loans they close.
- And much more…
What are the benefits to someone who is currently a Real Estate Agent?
- We assist Mortgage or Business professionals with an entrepreneurial opportunity to join our team to help others FULFILL their DASH.
- Be your own boss and gain a competitive advantage.
- Position yourself to compete with large institutions without getting bogged down with the operational side of running your own mortgage company or working for a mortgage broker.
If you are not familiar with the benefits of having a relationship with a Federally Chartered Bank, you owe it to yourself as well as to your associates to investigate the possibilities offered by our Federally Chartered Bank Branches.
For the consumer, our Federally Chartered Bank Branches offers a variety of products designed to match their financial situation. Our extensive mortgage portfolio includes:
- The Smart Option Loan — a loan that is fixed for an initial period of time and allows you to choose from multiple payment options each month, giving you maximum flexibility and control.
- 1st Time Homebuyers Programs — My Community programs, FHA Programs, VA Programs, which can qualify up to 100% financing.
- Interest-Only loans — products that allow you to pay just the interest each month, maximizing your tax benefits and freeing up more money to save or spend.
- Traditional mortgage products — including fixed-rate loans
(15-, 20-, 30- & 40-year terms), ARM loans (3-, 5- & 7-year terms),
balloon loans, second mortgages and home equity loans.
Z-Group International, through its Federally Chartered Bank Branches, has a cutting-edge mortgage analysis and application process which makes finding the right product for you simple, quick and easy.
If you have questions regarding a loan application or need assistance with your loan, please contact us at:
Office: 1-866-556-1621
Fax: 301-576-3631
Email: 1003@zgroupdirect.com
Is your loan in processing? If you have a loan in process and need an update or have a general question regarding the processing of your loan, please contact us.
Email: processing@zgroupdirect.com
* Monthly Associate fees apply for the Federally Chartered Bank’s payroll and software, and the use of Z-Group International’s Credit Management products.
** Additional bank fees reduce commissions for brokered loans.