We will meet or beat our closing cost quote or pay you $500.


We will meet or beat the New Loan Termination deadline or pay you $500.


We will wire your funds to the closing table 1 day early or we'll pay you $500.


You won't lose your earnest money deposit because of mistakes we made with your Certified Pre-Approval. If you do, and it was our fault, will reimburse your lost earnest money up to $10,000.


You won't lose any of your home inspection or appraisal money if we made a mistake with your Certified Pre-Approval. If you do, we'll reimburse you up to $2,500 in moving, storage or relocation expenses.


If your loan closes later than the mutually agreed upon closing date when we receive your executed purchase contract, we will pay the seller $1,000 each day we are late, and we'll pay you, the buyer, $1,000 for each day we are late.

By providing the strongest possible terms and guarantees, Zenith Home Loans gives the seller every reason to choose your offer.

When you become a Zenith Certified Homebuyer, you get all these benefits. No other mortgage company does as much to ensure that the families we serve have an outstanding homebuying and loan closing experience.


"Closing Costs" are fees and/or costs disclosed on the Loan Estimate and listed on the Closing Disclosure. Other fees and charges, (prepaid deposits for interest, taxes, insurance on lines 901 through 1011 and HOA fees lines 1310 through 1315 on the Closing Disclosure) are not subject to the Final Closing Cost Guarantee.



For the earnest money, home inspection, appraisal and moving expense guarantee, your personal financial qualifications including but not limited to employment, income, assets, closing funds, credit scores and monthly debt obligations are required to stay the same or improve from the time we issued our Certified Pre-approval. You are also required to stay within your Pre-approved Loan Parameters which includes but is not limited to maximum loan amount, maximum total monthly payment PITI), maximum interest rate, interest rate market conditions, down payment requirements, mortgage insurance payment amount, HOA payment amount, and property insurance payment amount, and property tax payment amount.

The New Loan Termination Deadline and On Time Closing Guarantee is subject to Zenith Home Loan LLC NMLS #1818094 staff agreeing to the deadlines set forth on the executed contract. Zenith Home Loan LLC NMLS #1818094 will notify all parties within three days of receiving said contract if the dates cannot be met, which will nullify this guarantee. Zenith Home Loan LLC NMLS #1818094 will not responsible for buyers, sellers or third-party delays beyond our control. Loan that are not underwritten or funded by Zenith Home Loans are not eligible for the New Loan Termination Deadline, On-Time Closing Guarantee and Early Funding Guarantee.


Is the Certified Homebuyer Program Right For You?


Zenith Home Loans does Business in Accordance with Federal Fair Lending Laws. NMLS ID 1818094. This product or service has not been approved or endorsed by any governmental agency, and this offer is not been made by any agency of the government.