Mortgage Rate Options
Interest Rate Drop Guard
Interest Rate Drop Guard
Mortgage rates change daily. If interest rates drop by more than 0.375% within the first 7 days after your rate lock, we will negotiate with the lender to request a lower rate if available.
Refinance Anytime
Interest Rate Drop Guard
After 180 days from your closing, you may refinance again with us. With our Lifetime Refinance Benefit, we will waive lender fees on future refinances when possible. There is no limit on how many times you can refinance with us.
Best Rate Promise
We pay you $1,000 at closing if we fail to obtain the lowest mortgage rate with highest lender credit.
Interest Rate Savings
A rate buydown is when the seller, builder, or lender pays upfront to reduce the buyer’s interest rate — either temporarily or permanently. You can get upto 3% lower rate that the current rate for the first year .
No Closing Costs
No Closing Costs
Closing cost in a Purchase transaction is about 1.5 times the purchase price. We have several option to cover the closing cost.
Why Choose Us
Trusted Loans, Real Results
- 26+ Years Experience: Trusted mortgage guidance backed by decades of real estate and lending expertise.
- Transparent Pricing: Clear loan options with no hidden surprises—know your numbers upfront.
- Fast Pre-Approval: Same day pre-approval for qualified borrowers so you can move quickly.
- Ongoing Support: We monitor your loan even after closing to help you lower your rate or term.
Loan Choices for You
Mortgage Options
We offer multiple loan options to help you finance your next rental or multi-unit property. Whether you’re using a conventional mortgage, leveraging home equity, or opting for a DSCR loan, we provide tailored solutions to fit your investment goals.
✔️ Conventional Loans: Low rates, 15-30 year terms, and down payments as low as 15%
✔️ FHA loans: Low rates, 30 year terms, and down payments as low as 3.5%
✔️ Calhfa Loans: Offer down assistance for both FHA and conventional loan.
✔️ DSCR Loans: No income verification—qualification based on rental income, ideal for investors. 20 properties allowed. You can use DSCR loan to pull cash out too.
✔️ Bank Statement : Great program for Self employed and business owners. Minimum 10% down. Must have 5% and 6 month reserves (PITI) of owns funds. Rest can be gift.
✔️ Profit and Loss Statement: No tax returns. Minimum 15% down. 100% gift allowed. Need 6 month (PITI) reserves
✔️ HELOC & Home Equity Loans: Access up to 80% of your home’s value to fund investments
✔️ Cash-Out Refinance: Refinance your primary home to pull equity and reinvest
No-Doc Home Loans
No-Doc Loan Options
We offer No-Doc loan program to purchase a home. No credit report. No income documentation. No DTI Ratio. No seasoning. Need 30% down and 3-4 years of PITI reserves deposited into lender account.
Our Process
Fast Online App
Explore Loan Plans
Explore Loan Plans
It take less than 5 minutes to complete online secured loan application. You need to fill basic personal and employment information.
Explore Loan Plans
Explore Loan Plans
Explore Loan Plans
Call us to review your loan scenario. We can guide you loan options if you are first time buyer, move up seller, first time investor or want to build real estate emperor.
Quick Pre-Approval
Explore Loan Plans
Instant Rate Quotes
Are your customers raving about you on social media? Share their great stories to help turn potential customers into loyal ones.
Instant Rate Quotes
Instant Rate Quotes
Instant Rate Quotes
Click the link below and get lowest rates or zero closing cost loan. Sites have rates from over 30 wholesale lenders. We do shopping for you.
Follow Us on TikTok
Instant Rate Quotes
Follow Us on TikTok
Please visit tiktok. We have over 30,000 likes. Our account has ton of information about loan programs, recent closings, rates and promotion.
Confident Closings
Instant Rate Quotes
Follow Us on TikTok
Most loans don’t fail at approval… they fail before closing. From pre-approval to final funding, we guide you every step of the way—no surprises, just results.
Meet Amardeep Singh
My Journey
I came to the United States in 1987 with a vision to build a better future through education, hard work, and opportunity. I earned my Master’s degree from the University of Illinois at Chicago (UIC) and later completed my MBA in Marketing from the University of Iowa.
In 2000, I obtained my mortgage license, beginning a journey that would span decades of growth, learning, and service.
💼 Experience Through Every Market Cycle
Over the years, I have worked through multiple economic cycles — from booming markets to challenging downturns. Each phase taught me valuable lessons about mortgage strategy, risk, and most importantly, customer service. Through this experience, I developed a streamlined system that ensures every loan moves efficiently — from application to closing — with clear communication at every step.
🎯 Education First, Always
A mortgage is often the largest financial decision in a person’s life. That’s why I believe in educating every client, not just closing a transaction.
👉 At every stage, we focus on:
- Explaining options clearly
- Helping clients make informed decisions
- Removing confusion from the process
Our business is built on trust, education, and referrals — not pressure.
🏆 25 Years of Service
In 2025, we proudly celebrated 25 years in the mortgage industry. This milestone reflects not just longevity, but a commitment to consistently delivering value and results for our clients.
🚀 Our Mission
👉 Our goal is simple:
To find a mortgage that reduces your loan term and lowers your interest rate, so you can build equity faster and pay off your home sooner.
🤝 Closing with Confidence
Whether you are buying your first home, refinancing, or investing in real estate, my commitment remains the same:
👉 Guide you with honesty, structure your loan strategically, and help you close with confidence.
Client Feedback: 4.9/5.0
Gurleen from Manteca, CA
We had the pleasure of working with Amardeep Singh during our recent home-buying journey, and we couldn’t be more grateful for his expertise and guidance. From the moment we first met, Amardeep’s professionalism, knowledge, and dedication to helping us find the perfect mortgage for us.
Edwin from Manteca, CA
Although, we owned a home before in the United Kingdom, we were first time homebuyers here in the US. Our situation was a challenging one but when we were referred to Amardeep by our realtor, we immediately had the feeling that our purchase would happen in a timely manner. Amardeep and his team, special mention to Farhat, had been patient with us and supportive, guiding us and leading us with the best approach to secure our purchase. They were there throughout the process and were as excited as we were when we got the keys. Amardeep was even nice to check on how we were doing with the move. Thanks Amardeep, Farhat and the rest of the team for making it possible for us to have our first owned home.
Ashok Nakka from Sacramento, CA
I had a great experience working with Amardeep Singh and his team during my refinancing process. From start to finish, Amardeep was very helpful, professional, and patient in guiding me through every step. Even when there were a few hiccups along the way, he stayed on top of everything and made sure the loan closed successfully.
Shoaib from Lathrop, CA
I had the pleasure of working with Amardeep Singh at Zero Closing Loan during my home purchase, and I highly recommend him. Amardeep made the loan process incredibly smooth and stress-free. His expertise in this field is evident, and his deep knowledge ensured everything went off without a hitch. He was always available to answer my questions and guide me through each step with confidence. Thanks to Amardeep, securing my home loan was a seamless experience. He is a fantastic professional and a true expert in his field.
Binay from Roseville, CA
My sincere appreciation to Amardeep and Zéro Closing Loan to make my home buying and home loan process absolutely smooth. From start to approvals and delivery all on time and all queries answered.
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