Question 1

What does MortgageZone.com do?

Accepted Answer

MortgageZone.com is a website that lets consumers look at mortgage quotes side by side and get matched with lenders in our network. We collect what you submit and pass it along to participating members that provide the product you selected.

The business behind MortgageZone.com is Astoria Company. We are not a lender, and we neither approve loans nor decide rates.

Question 2

Would you call MortgageZone.com a lender or a mortgage broker?

Accepted Answer

Neither. MortgageZone.com does not operate as a lender, bank, or mortgage broker. We do not fund loans or offer lending guidance. Visiting this site or filling out a form does not establish a borrower-lender relationship with us or with any member of the network.

Question 3

Who decides the rates and terms that appear?

Accepted Answer

Only the members within the MortgageZone.com network set rate quotes and terms, not MortgageZone.com itself. Whatever rate or product details you get come from those members.

Question 4

After I send in a form, will lenders get in touch?

Accepted Answer

By completing an online application, you give permission for members of the MortgageZone.com network to reach you by phone or email. Members will only make contact when they provide the loan product or service you showed interest in.

Question 5

Am I required to take a quote or deal with a lender who contacts me?

Accepted Answer

Not at all. You are free to look around this site and submit a quote request with no duty to accept anything. Should a lender get in touch, whether to proceed is entirely your call. You can also call the phone number posted on this site if you would prefer to start over the phone.

Question 6

How is the personal information I give handled?

Accepted Answer

After you request contact, the information you provide is sent to participating network members so they can look over your request. We recommend reviewing our Privacy Policy before sharing any personal details. You can opt out of messages from MortgageZone.com whenever you like. To stop hearing from a specific lender, contact that company on your own.

Question 7

How soon can I expect a reply?

Accepted Answer

Timing varies depending on the loan product and how many lenders serve your area. Many consumers receive a reply within one or two business days. If you would like immediate assistance, dial the number listed on mortgagezone.com.

Question 8

What kinds of loans can I get quotes for?

Accepted Answer

Most people who visit ask for quotes on a home purchase, a refinance, a home equity loan or line of credit, or a reverse mortgage. If you have another mortgage product in mind, submit a request or call us, and we will let you know whether a network member can assist.

Question 9

Who is eligible to request a reverse mortgage quote?

Accepted Answer

Reverse mortgage programs are intended for homeowners who are 62 or older. A participating lender can go over eligibility, payout options like a lump sum, monthly payments, or a line of credit, and whether a reverse mortgage suits your retirement goals. We do not approve loans or promise any specific payout.

Question 10

Does MortgageZone.com promise a rate or loan approval?

Accepted Answer

No. No site or matching service can guarantee a rate, a closing, or loan approval. The outcome rests on your financial situation, the loan product, and the lender you decide to work with.