ZeroMortgage by Interfirst Reviews

I applied the loan with ZeroMortgage in beginning of Sept 2022 and I got the loan estimate with rate of 5.45% and rate got locked. Today they told me that they cannot honor that rate and go with today’s rate which is around 7%. I lost my time and money. Please don’t go with them. Now I am not able to contact the loan officer.

You're an idiot if you didn't go with Interfirst. They gave me a really good rate, lower than anyone would even talk to me about getting on my home loan, and when I was having some communication issues with them, my loan officer went to his boss and said they needed to be better at communicating with me. Immediately after that, anytime I'd send an email, I'd get one right back. When I would call, if they didn't answer, I would leave a message and they would call me back.

The team is very nice, and it was a positive experience. They're very picky, so they required a lot of documentation, but they really came through. Even though it took a long time for me to get approved, they honored their lock without any additional payment or commitment from me. It was amazing. The process took eight months and interest rates have increased substantially in the interim. I'd tell people to look into Interfirst.

I applied online, then a man called me and we negotiated a bit on the rate and agreed on that and how much the amount of the cash-out was. Interfirst had someone come out to my home and close the deal out. It was simple, and the communication was very good. I changed the amount of cash-out a time or two and it slowed down the process a little. It took three weeks at the most. The way rates are today, I'm really satisfied. I wish I’d have got in a little earlier, but that was my fault. I'm satisfied with the terms too. A 30-year term is about as much as one can get.

It was a bit slower than I thought. But overall, it was good. There were a couple of times that Interfirst needed something that I already sent them. They should put one person on it so they know what they are doing. But Warren, the guy that helped me the most, did a beyond excellent job.

Zero Mortgage had low-interest rates, and they were gonna service my mortgage instead of selling it to somebody else. Everything went very smoothly and they did exactly what they said. The total process took three weeks from the point of contact. It was pretty quick. Also, everything was great with the people I did have contact with.

Zero Mortgage gave some of the better rates and was really the only one that kind of offered solutions to my situation compared to some of the other ones I've contacted. They also kept me up to date and gave me options. Their process for submitting documents online was pretty easy, and I always got notifications and emails like, “This needs to be uploaded,” or “We still need this.”

I was on a website that gives an aggregation of all of the different rates that are out there and I went to about four of the companies that had the best rates, and the Interfirst person had the lowest rate, lowest monthly payment, and was the easiest to work with. So, I continued on with him. His name was Alex. Communication was through either phone or email. It went very easily and seamlessly. I had backed out originally because we were gonna go with a local person that was referred to us. When we went to lock in with them, rates spiked for that day. So, we stayed locked in with Alex instead. I expected the process to be a lot more difficult, but everything was so streamlined with the way that the company has a system and process in place where they just email me and I just download or upload the documents right into the portal. The portal was very descriptive of exactly what I needed.

The rep on the phone was great. She was very responsive, available if I had any questions, and got things going really quickly. I was impressed by her knowledge of what she was doing, the calmness and how she presented herself. Everything went even better than when I did my first mortgage too. The process was easy and straight to the point, and the rates and terms was fair. Overall, Interfirst was great to work with, and I would tell people to look at them first.

The process on getting a new mortgage was very easy considering the times that we live in. Whenever I needed to reach out, I send Interfirst an email and tell them I need to talk. They call back and clarify what needs to be clarified. My experience was good considering that they are a technology-driven entity where you don't get much interaction with humans. It was good in comparison to other entities that do similar things with similar business models. Usually, some of the companies that I send an email to saying, “We need to talk” would send an email back saying, “About what?” In this case, Interfirst was very responsive. The new rate and terms were reasonable too.