ZEN REI Group (NMLS Lic # 953613) | Bay-Valley Mortgage Group (NMLS Lic. #192103) Is an equal housing lender. This is not a commitment to lend or extend credit. Programs, rates, terms and conditions are subject to change without notice. Terms and conditions apply. All rights reserved. Contact us for details. Consult your accountant about tax deductions. NMLS Consumer Access. By using our site, you agree to our use of cookies. For more information, read our Privacy Policy.