ZYNG Mortgage is a family-run mortgage broker based in Auburn, California, founded in 2003 by Mike and Josh Borba, a father and son. We help people buy homes, refinance, use their home equity, invest in rental property, and plan for retirement, including with reverse mortgages. As a broker, we don't lend our own money. We compare loan programs from the lenders we work with and help you pick the one that fits. We started as MLS Mortgage and became ZYNG Mortgage in 2021.
We all know buying, refinancing, or borrowing against a home is a big deal. It's usually the largest financial decision people make, and a lot of them make it with someone they met five minutes ago on the phone.
We'd like to be the opposite of that. Here's who we are, how we work, and what you can expect from us.
ZYNG Mortgage is a family-run mortgage broker based in Auburn, California. We've been serving homeowners since 2003.
We help people with:
You can see the states where we're licensed on our Licensing page, and find your state on Areas We Serve.
A mortgage broker doesn't lend its own money. We work with a group of wholesale lenders, compare their programs for your situation, and help you choose the one that fits. Then we stay with you through closing.
Why does that matter? A bank or a direct lender can only offer its own loans. If its loan isn't the best fit for you, you won't hear about the one that is. As a broker, we can put more than one option side by side.
That's especially useful with reverse mortgages, where a HECM and a proprietary jumbo loan can work very differently on the same home. We'd rather show you two or three choices than hand you one and hope it fits.
Josh Borba started in the mortgage business in 2002. In 2003, he and his father, Mike Borba, opened their own company as a father-and-son team. We started out as MLS Mortgage.
Early on, Josh focused on reverse mortgages, back when most people had never heard of them and many who had were suspicious. For years, our reverse mortgage work ran under the name MLS Reverse Mortgage, and its website became a go-to place for plain-English reverse mortgage education.
In 2021, we rebranded as ZYNG Mortgage to reflect our tech-first focus: making the process faster and easier for you, without losing the personal service. Now our reverse mortgage education lives here too, on one site with everything else we do.
ZYNG Mortgage, Inc. also owns the registered trademark "Reverse Mortgage Advisors."
Education first. Josh wrote this years ago about reverse mortgage counseling, and it's still how we run every loan: our clients shouldn't learn anything new during their counseling session. By the time you sit down with a counselor, an underwriter, or a notary, you should already understand what you're signing.
Straight answers. If a loan isn't right for you, we'll say so. Sometimes the best answer is a different loan, or no loan at all.
Family welcome. Bring your spouse, your kids, your financial advisor, or your attorney. We like it when more people understand the plan.
One team, start to finish. Your loan officer works with our processing team in-house, so you're not passed around between strangers.
Josh co-founded the company with his father, Mike, and serves as its President and CEO. He's also a loan originator (NMLS #76821). He has worked in the mortgage business since 2002, still personally helps clients with reverse mortgages, and has written hundreds of articles explaining them in plain English.
Outside the office, Josh puts family first and tries to live intentionally. He'll also tell you that a little humor makes a mortgage a lot less painful.
Mike co-founded the company with Josh and is still active as a loan originator. He's also one of Josh's key advisors on the big decisions at ZYNG.
Our loan officers each hold their own licenses, shown on their profiles with their NMLS numbers. Find a Loan Officer to search by name, ZIP code, or state.
Behind every loan officer is a team that keeps your file moving.
Shonna Borba, Josh's sister, handles processing. She gathers your documents, works with the lender and the title company, and keeps everyone on schedule. When you call us, you'll usually talk with Shonna or Josh. Yes, this really is a family business.
Our office is in Auburn, California. Many of our clients never set foot in it. We work by phone, video, and in person, whichever you prefer. See Contact Us for addresses and hours.
You can read reviews from real clients, shown exactly as they wrote them, on our Client Reviews page.
Interested in joining the team? See Join Our Team.
First home, fifth home, or a reverse mortgage you're not sure about yet, we're glad to help. Call us at 530-888-6000, book a call, or find a loan officer for your state.
For reverse mortgages specifically, read Why ZYNG for Your Reverse Mortgage.
