# ZERO POINT Mortgage (0PointLoan)

> Technology-driven mortgage lender offering transparent, real-time pricing with zero hidden fees. Serving homebuyers across California with AI-powered tools and 30+ years of expertise.

## About

ZERO POINT (0PointLoan) is a licensed mortgage lender based in Anaheim, California. Founded by Jay Patel, a mortgage industry veteran with over 30 years of experience. We combine cutting-edge technology with deep mortgage expertise to deliver the most transparent home financing experience available.

- Company NMLS: #256271
- DRE License: #01270286
- Founder: Jay Patel (NMLS #274709, DRE #01085078)
- Phone: (714) 408-4034
- Website: https://0point.com

## Services

- **Home Purchase Loans**: Conventional, FHA, VA, USDA, Jumbo, First-Time Buyer programs
- **Refinance**: Rate-and-term refinance, cash-out refinance, streamline refinance
- **Specialty Programs**: Non-QM loans, Interest-Only, HELOC, Reverse Mortgages, Bank Statement loans
- **Real-Time Rate Pricing**: Live wholesale lender rates updated continuously
- **AI Strategy Builder**: 14-step personalized mortgage planning tool
- **Market Rate Alerts**: AI-monitored notifications when rates match your criteria
- **Mortgage Calculators**: Payment, affordability, and refinance savings calculators

## Key Differentiators

1. **Zero Hidden Fees**: Transparent pricing with no junk fees or surprise charges
2. **Real-Time Rates**: Live market data, not teaser rates
3. **AI-Powered Tools**: Strategy Builder analyzes 14 data points for optimal loan recommendations
4. **Wholesale Pricing**: Direct access to wholesale lender rates
5. **Technology-First**: Automated processes reduce overhead, passing savings to borrowers
6. **Soft Credit Pull**: Initial rate checks have zero impact on credit score

## Loan Programs

- Conventional Fixed-Rate (15, 20, 30 year)
- FHA Loans (low down payment, flexible credit)
- VA Loans (zero down payment for veterans)
- USDA Rural Development Loans
- Jumbo Loans (high-value properties)
- Adjustable-Rate Mortgages (ARM)
- First-Time Homebuyer Programs
- Interest-Only Loans
- HELOC (Home Equity Line of Credit)
- Reverse Mortgages
- Non-QM / Bank Statement Loans
- DSCR Investment Property Loans

## Service Area

Licensed to operate in California. Primary focus on Orange County, Los Angeles County, and surrounding Southern California areas including Anaheim, Irvine, Fullerton, Huntington Beach, Santa Ana, Costa Mesa, and Newport Beach.

## Contact

- Website: https://0point.com
- Strategy Builder: https://0point.com/strategy
- Live Rates: https://0point.com/rates
- Consultation Booking: https://0point.com/consultation
- Phone: (714) 408-4034

## Documentation

- [Full Details](https://0point.com/llms-full.txt): Complete information about all services, programs, and tools