Edi Shek - NMLS# 216981
Residential Mortgage Loan Originator
Residential Mortgage Loan Originator
Serving homebuyers and homeowners with personalized mortgage solutions
EYWA MORTGAGE, Inc. NMLS # 1660690 | Powered by NEXA Lending | Mesa, Arizona
ZAPA MORTGAGE, Inc. NMLS # 357630 | Houston, Texas
Traditional financing with competitive rates for qualified borrowers
Low down payment options backed by federal insurance
Zero down payment options for veterans and active military
Lower your rate or access your home's equity
Alternative financing including no income verification options
Rent income only for investment properties
DSCR, bank statements, and P&L-based financing
Investment and ITIN loan options for non-U.S. residents
Complete a quick application in minutes from any device
Receive your pre-approval letter within 24-48 hours
Shop with confidence knowing your financing is ready
We guide you through closing and beyond
"Zapa Mortgage is one of the top choices in Houston. My experience was seamless thanks to the efforts of Hamza, Zohaib, and the amazing Edi Sheikh. They managed everything with great professionalism. Highly recommend!"
"Edi Bhai, Saif, Syed, and Usha are all great. The team truly understands client needs and works hard to deliver. I'll definitely do more business with them again!"
"Hamza and Edi Bhai are a great team. They stay by your side until the very end and ensure the job gets done. This was my 3rd loan with them and they are the best in the market!"
"Their expertise and professionalism were evident from the start. They guided me through the process with ease and secured a fantastic mortgage rate. Highly recommended!"
"I'm very happy with the Zapa Mortgage team – sincere, hardworking, and punctual. They completed my loan on time and now I'm enjoying my new home. Best mortgage company!"
"Despite my busy schedule, Edi, Saif, Syed, and the team helped me close quickly with the best rate. They stayed on top of everything and made the process smooth."
"Best mortgage team! All members are very professional, patient, and helpful. Thank you, Edi Brother and team!"
"The Zapa Mortgage team is awesome! Edi Bhai and the team helped us secure loans for 3 houses, guiding us every step of the way. Always available to answer questions. Highly recommended!"
"We had a great experience with Zapa Mortgage, especially Abdullah, Edi, Usha, and Nida. They are professional and quick to respond, making the process easy to understand. Highly recommended!"
Credit score requirements vary by loan type. FHA loans can start at 580, while conventional loans typically require 620+. Contact me to discuss your specific situation.
Down payment requirements range from 0% (VA loans) to 3.5% (FHA) to 3-20% (conventional). I'll help you find the best option for your budget.
Typically 30-45 days from application to closing. Pre-approval can be obtained in 24-48 hours. I'll guide you through every step to ensure a smooth process.
It depends on current rates, your financial goals, and how long you plan to stay in your home. I can run the numbers and show you if refinancing makes sense.
Typically: recent pay stubs, W-2s, tax returns, bank statements, and ID. I'll provide a complete checklist once we start your application.