Frequently Asked Questions

Frequently Asked Questions

Which type of mortgage is best for me?

*  Working with 100+ lenders we will help you find the best program to meet your goals. Find mortgage options and solutions here.

How do I know what lender is best for me?

*  We believe there is no single lender that is the best option for everybody. They have different programs and guidelines. Working with 100+ lenders we will help you find the best fit for your home purchase or refinance.

How do I get Pre-approved?

*  You can fill out an application on our website “Apply Now” with no cost or obligation.

What is the cost for pre-approval?

*  There is no cost for information and pre-approval with JZ Mortgage. Other companies may charge application and/or pre-approval fees.

What documentation do I need?

*  Documentation depends on the loan program. We have a wide variety of programs including limited documentation and no income verification programs. Here’s a link to the standard documentation for most loan programs.

What exactly is Underwriting?

*This is the review process where the lender will review your application and credit for your conditional loan approval.

 How much does an appraisal cost?

*  Appraisals typically cost $450-$500 and is not refundable. They can sometimes cost more.

*WE CAN NOT SCHEDULE YOUR CLOSING UNTIL YOUR LOAN IS CLEAR TO CLOSE*

*LENDERS RESERVE THE RIGHT TO ASK FOR ADDITIONAL INFO & ITEMS PRIOR TO CLOSE*

JZ Mortgage Services, Inc.

NMLS#1353198
James Zielinski NMLS # 972677
nmlsconsumeraccess.org

Equal Housing Lender

JZ Mortgage Services, Inc.

888-217-1526
7815 2nd Ave NW
Bradenton, FL 34209