Loading...
Edi Shek - NMLS# 216981
hi
Licensed in 14 States Nationwide
Serving homebuyers and homeowners with personalized mortgage solutions
EYWA MORTGAGE, Inc. NMLS # 1660690 | Powered by NEXA Lending | Mesa, Arizona
AL
AZ (LO-2010950)
CA (DFPI216981)
CO
CT
FL (LO140551)
LA
MO
OR
PA
TN
TX (Dual Attachment)
VA
WA (MLO-216981)
ZAPA MORTGAGE, Inc. NMLS # 357630 | Houston, Texas
TX (Dual Attachment)
Mortgage Solutions for Every Need
Conventional Loans
Traditional financing with competitive rates for qualified borrowers
FHA Loans
Low down payment options backed by federal insurance
VA Loans
Zero down payment options for veterans and active military
Refinancing
Lower your rate or access your home's equity
Non-QM Loans
Alternative financing including no income verification options
DSCR Loans
Rent income only for investment properties
Self-Employed
DSCR, bank statements, and P&L-based financing
Foreign National
Investment and ITIN loan options for non-U.S. residents
Simple 4-Step Process
1
Apply Online
Complete a quick application in minutes from any device
2
Get Pre-Approved
Receive your pre-approval letter within 24-48 hours
3
Find Your Home
Shop with confidence knowing your financing is ready
4
Close the Deal
We guide you through closing and beyond
What My Clients Say
★★★★★
"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!"
- Abdul Qadir, Houston TX
★★★★★
"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!"
- Jozy Amir
★★★★★
"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!"
- Anum Qadri
★★★★★
"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!"
- Waleed Ashfaq
★★★★★
"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!"
- Jamil Karim
★★★★★
"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."
- Shak A
★★★★★
"Best mortgage team! All members are very professional, patient, and helpful. Thank you, Edi Brother and team!"
- Nurjahan Sheik
★★★★★
"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!"
- Ahmed
★★★★★
"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!"
- Faizan Siddiqui
Frequently Asked Questions
A mortgage is a loan used to purchase or refinance a home. The property serves as collateral, meaning the lender can foreclose if you fail to make payments. Mortgages typically have terms of 15 or 30 years and include principal and interest payments.
Start by getting pre-approved for a mortgage. This involves completing an application and providing documents like pay stubs, bank statements, W-2s, and tax returns. Pre-approval shows sellers you're a serious buyer and helps you understand your budget.
Pre-qualification is an informal estimate based on self-reported information. Pre-approval is a conditional commitment from a lender after reviewing your credit, income, assets, and documentation. Pre-approval carries much more weight with sellers.
Credit score requirements vary by loan type. FHA loans may start around 580, conventional loans typically require 620 or higher, and VA loans are often flexible. However, higher credit scores qualify for better interest rates. Your full financial profile matters, not just your credit score.
Yes, there are options for buyers with lower credit scores. FHA loans accept scores as low as 580 (or 500 with a larger down payment). Non-QM and alternative financing programs may also be available. Contact me to discuss your specific situation.