Mortgages...

Competitive Pricing
One major advantage that ZOWES sets apart from other mortgage brokers/lenders is the pricing difference due to its volume of business:

 ZOWES will match any rates and terms
 Rate Protector Plan with flow down features
 24/7 rate lock protection
 extended rate lock policy
 No commitment fees
 No surprise junk fees
 No hidden costs

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Common Sense Solutions
All types of loan programs to meet your special needs (no income, no assets, no credit, bad credits, etc.)

 Variety of lenders to choose from:

• Regular conforming loans

• Non-conforming loans

• Subprime lenders

• B/C/D lenders

 Free consultation and credit analysis
 Free pre-qualification
 Free loan commitment
 

All Loans Considered!
No Loans are Bad Loans!

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Consumer-Oriented Product
 Rate & Term Refinance
 90% Cash Out refinance
 Home Equity Line of Credit
 Construction Loans
 First Time Home Buyers
 100% Purchase Loan
 No MI Mortgage Options
 Traditional Fixed Rate Mortgages
 ARM Mortgages
 Interest-Only Payments
 Reverse Mortgage
 Commercial Loans

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