Zero cost loans are subject to credit approval. They are merely one loan option of many. APR is not exactly the note rate as appraisal cost varies and is still paid directly to appraisal company and not part of costs credited by CalShield Home Loans Inc as part of the zero loan cost option. Zero cost loans are not the lowest rate available as rebate from lender is used to credit for said costs. Lowest rate loans will always have third party fees and origination depending on loan size and market rate availability. Zero cost loans may only be available with loan sizes that exceed $250,000 due to credit needed to cover third party fees. Appraisal fees not refunded if required value is not received from neutral third-party appraiser.” CalShield Home Loans Inc is an equal housing lender and does not discriminate on the basis of gender, income level, race, religion, orientation and the like.