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Get Pre-Approved in Minutes

Disclaimer: ZIEN does not offer financial or loan services, only licensed lenders do. Our calculator is for math only and does not provide loan estimates or quotes.

Which type of Mortgage should I get?

It's a question every potential homebuyer faces. With so many loan options available, even the most informed buyers may wonder if they’re choosing the best one. We're here to simplify things by breaking down the basics of the most popular home loan choices.

Conventional Fixed

A conventional loan provides both stability and predict.....

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15-Year

Higher monthly payments with a shorter term......

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30-Year

Lower monthly payments, more interest paid over loan te.....

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FHA

Good for first-time homebuyers......

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VA

For service members, veterans, and eligible surviving s.....

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Jumbo

Loans larger than the conventional loan limit......

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Asset-Based Loan(Non-Traditional)

A mortgage secured with qualifying income documentation.....

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Debt Service Coverage Ratio Loan (Non-Traditional)

A loan is often used to purchase investment property by.....

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Bank Statement Loan(Non-Traditional)

For the self-employed: Loan secured with eligible bank .....

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Other Program

Third-party Owner Financing Program in the Industry.

What is Third-Party Owner Financing?

The Third-Party Owner Financing Program is an innovative solution for homebuyers who do not qualify for a traditional loan. It allows you to finance any home on the market in Texas, provided the property is in loanable condition—regardless of its size, age, style, or location.

In this program, a third-party investor, pre-approved and vetted through the system, will use their credit to finance the home and then owner-finance it to you. The deed will be registered in your name, while the investor will handle the financing until you choose to refinance or sell the property.

All communications are managed by a note-servicing company, which outlines the roles and responsibilities of each party to avoid any surprises. An Owner Finance Specialist will guide you through every step of the process, ensuring you know exactly what to expect.

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All credit accepted

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Foreign nationals welcome

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Stated income accepted

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Self employed, tin ok

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No time on job requirement

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No prepayment penalty or balloon payments

Frequently Asked Questions

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30 Years
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Principal & InterestHOA FeesProperty TaxHomeowner's Insurance
$
Your Payment

Principal & Interest (P & I): $

Property Tax:$

Homeowner's insurance: $66

HOA Fees: $0