7-Day Money-Back Guarantee (First Month Only)
If you subscribe to Zai for Brokers for the first time and are not satisfied within 7 days of your initial payment, contact us at [email protected] and we will issue a full refund.
Subsequent Months
After the first month, subscriptions are non-refundable for the current billing period. You may cancel at any time through your Lemon Squeezy account and will retain access until the end of the paid period.
All free tools on FinanceRateCalc (OFI Dashboard, Denial Decoder, Zai for Borrowers, OFI Match, Appeal Letter Generator, OFI Futures) are provided at no charge and are not subject to refund policies.
Refund requests: [email protected]
Prices and rates are widely reported. Whether a lender says yes is not. In the complete 2025 federal record, denial rates across the 100 largest FHA lenders ran from 1.8% to 78.7% — same programme, same year.
And it is not simply who applies where: standardizing on state, loan amount, income, debt-to-income and loan-to-value, applicant mix explains only a 2.7× range in expected outcomes.
CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published per market, not all lenders. Historical observations, not predictions. CC BY 4.0, not independently reproduced.