Buying a House

Application fees, processing fees, underwriting fees, and lender fees* make buying a home the traditional way too complicated. We got rid of the confusion to give our customers the peace of mind of a smoother online home financing experience.

Complete our online application in less than 15 minutes.
Pick the rate that best fits your personal needs.
Rely on our online resources and your loan advisor.

The Bottom Line

What Is a Mortgage?

If you’re looking to buy a house, and do not have a mountain of cash saved up, you’ll need to consider getting a mortgage to help you finance this large expense. But what exactly is a mortgage?

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30-Year Mortgage: Everything You Need to Know

In this article, we’ll talk about what it means to get a 30-year mortgage, how it differs from a 15-year mortgage, why you might want to consider paying off your mortgage early, and more.

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Mortgages for the First-Time Home Buyer: Ultimate Loan Guide

If you’re new to buying a home, you probably know about the amount of options there are for your mortgage. To help, we’ve covered the different types of mortgage programs and financing available.

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This is what our customers think about us.

Simple said- this is your company to use. No games or fast talk. Quotes back were quick and precise. Process is online, with minimal paperwork to sign and print. Closing was at my home and straight forward. Was done in 30 minutes. Couldn’t have asked for anything else, will use again in the future.

Jake T


Great rate, super convenient application process. I worked with Alexander Rodriguez and he was fantastic - answered my questions quickly, made sure I understood what was going on throughout the whole process, and worked really hard to resolve some appraisal issues that took longer than expected to resolve. Other than that, this was a relatively painless process.

B Campbell

Dallas/Fort Worth, TX

Interfirst offered me by far the best rate for a refinance. Nobody could beat their offer. It seemed almost too good to be true. I was skeptical at first but my loan processor Rodney Bagley earned my trust. He communicated clearly and was always available to answer questions throughout the process. In fact, during closing there were some errors found that were made by the title company. I emailed Rodney about it and he called me right away. He worked hard to find a solution quickly, and then followed up with the manager at the title company so they could improve their processes going forward. He was very dedicated to providing the best service and he did a great job. Rodney is the reason I give Interfirst such a stellar score.

Aaron H

Pflugerville, TX

From start to finish, I had a wonderful experience with this company for my refinance. They had the lowest closing costs by far! Even my friend who owns a mortgage brokerage couldn't beat them! The process of submitting all my documents through the online portal couldn't be any easier. They were very responsive to any questions. Everyone I spoke with were extremely friendly and very customer oriented. They clearly wanted to make sure you got the best deal possible. They even set it up to where a notary came to my house for closing, so I never had to leave home for any part of the refinance process. I'd do business with them again in the future. Highly recommend!

Bret R

Esses, MD

This was my first time doing a re-finance, so I did not know what to expect. Everyone at Interfirst Mortgage were great. They were very efficient and I could not believe how quickly everything was processed and closed. I got a much better rate, over less years and no closing costs, exactly as they promised at the start. My wife and I are very happy with the whole process thanks to Interfirst Mortgage.

Alan C

Reynoldsburg, OH

I am so happy I found Interfirst to complete my mortgage refinance. They provided the absolute best rate combined with lowest closing costs, and I had shopped around and gotten quotes at half a dozen lenders before choosing them. The process was smooth and easy from start to finish. The online portal to apply and upload documents was user friendly. Crystal, our loan originator, was great! She was very professional and quick to respond and answer any questions. Jessica finished the underwriting so quickly. Overall, it was an amazing experience so if your shopping around for a lender don't hesitate to go with Interfirst. These kinds of things can be stressful, but you will be in good hands with them!

Julie T

Turlock, CA

Alex and the whole InterFirst team were exceedingly professional - quickly addressing my concerns and helping me to get through all the steps required in obtaining a mortgage. It felt almost like a concierge experience, despite the fact that this was the standard offering on a fairly typical 10-year mortgage refinance.

Jitin A

Newfields, NH

Having purchased/refinanced a few homes and also working in the mortgage field, Dakota was excellent. His email replies were very quick and never beat around the bush. We were going to refinance with our current lender, but after many times of not getting replies or answers we requested, we looked elsewhere and found Interfirst and Dakota. Process was smooth and very quick. Thanks for your hard work and excellent customer service!

James L

West Des Moines, IA

My refinance process was quick and went without a glitch. Boris was responsive, responsible, motivated, and very helpful throughout the process. Highly recommend.

Larisa R

Bradenton, FL

Testimonials reflect the individual’s opinion and may not be illustrative of all individual experiences with ZeroMortgage.

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Have Questions?

What is a mortgage interest rate?

A mortgage rate is the interest rate on your home loan that’s impacted by inflation, the Federal Reserve, the yield on the 10-year Treasury note, and your credit score. Your monthly mortgage payment includes the amortized interest you owe on your outstanding loan balance and a portion of the principal itself. Apply today.

What’s the first step in purchasing a house?

The first step is to get a pre-approval letter from your mortgage lender. This shows how much you’ve been approved to borrow based on your income, savings, and credit. This is necessary before you make an offer on a home. And since you’re already here, let us help you get started today.

What types of loans does ZeroMortgage offer?

We offer conventional, fixed rate, cash-out, and investment property. Read more about how these differ in our Learning Center to determine which one might be best for you or speak to one of our Loan Advisors at XXX-XXX-XXXX.

What's the best loan term for a mortgage?

The loan term or ‘repayment period’ on your mortgage determines how large your mortgage payments will be and how much interest you’ll pay overtime. The most common are 15 or 30-year loan terms. The best way to determine your loan term is based on your monthly budget. Shorter terms cost less over time but have higher monthly payments. Apply today.