About Zip Mortgage
We've been helping families find the right mortgage since 2018. Great rates. Real people. No hassle.
Our Story
Zip Mortgage was founded with a simple mission: Make lending better for loan officers, realtors, and borrowers.
We started by asking: Why do the best loan officers feel trapped in corporate structures? Why can't realtors get instant rates for their clients? Why do borrowers have to wait days for a quote?
The answer was obvious: The industry was broken. So we decided to build something different.
Our Philosophy
100% Commission
Loan officers deserve to keep what they earn. No splits. No caps. Same-day payroll.
Real Tech
We obsess over speed and transparency. AI-powered processing. Real-time updates.
No Corporate BS
No unnecessary meetings. No permission slips. Just work. Close loans your way.
Leadership
Chris Robards
Founder & CEO
Founded Zip Mortgage in 2018 with a mission to put loan officers and borrowers first. Founded Zip Mortgage in 2018 with a mission to make lending simple and put borrowers first.
Chris
Co-Founder & Operations
Mortgage industry veteran with deep relationships across the ecosystem. Builds partnerships and drives growth.
Our Values
Transparency
No hidden fees. No surprises at closing. We explain everything clearly.
Speed
We obsess over closing time. Real-time updates. AI-powered processing.
Integrity
We treat every borrower like family. No pressure. Just honest advice.
Community
We support loan officers in building their businesses. Rising tide lifts all boats.
By the Numbers
1,000+
Loans Funded
12
Avg Days to Close
4.9/5
Customer Rating
50+
Realtor Partners
Join Our Team
Are you a loan officer looking for a better way? Or a talented engineer passionate about fintech? Let's talk.
Email careers@lowerrates.bizReady to Experience the Difference?
Work with loan officers who are genuinely motivated to help you succeed.
Get Started Today