MortgageReady is a service owned, operated, and underwritten by pāyZero® Inc., DBA pāyZero® Financial was founded in 2018 by Financial Counselors to do our part in helping hard-working Americans save, and afford financial freedom by introducing Bill-Tycoon™, our software platform based on our Cash-Flow Allocation and Shorting online banking strategy. Our team utilizes local expertise, combined with global experience to offer our customers a range of highly profitable financial opportunities.

Our work won’t “save the world” but we do change many people’s lives for the better on a daily basis and that means a lot to us. Our expectations are definitely high.

You could say that we’re a bunch of financial technologists, money management experts, and customer service fanatics (you’d be right), but we’re more than that – PĀYZERO® is a team. We come from all kinds of backgrounds and experiences to create something new: A better way to save.

What We Offer?

We came from all kinds of backgrounds and experiences to create something new:
Bill-Tycoon™. “Get Rich Paying The Same Bills You Already Pay”.

Whatever you are saving for…. debt relief, a new mortgage, wedding, vacation, retirement, new vehicle, business startup, investing, etc., a PFA will get you there waaay faster than saving alone.

So, we still have a long way to go as a company and team but we’re growing fast, seeing real impacts, and heading for our finish line.

On A Mission...

We aren’t satisfied with business-as-usual financial services because we’ve been on the inside and seen countless ways to make you rich. That’s why PĀYZERO® is leading the way to more transparent, fair, accessible, and friendly financial solutions for all (it also feels great to help people save money).

Over 12,000+

Households Investing Their Float


Average Monthly Float
Customer Rating

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This will help us determine the best ways to assist you.

Enter Your Expenses and Income Into our Calculator

Find Out Exactly How Much Monthly Float You Can Begin Investing

Follow The Customized Financial Advice For Your Household

Keep Your Cash.  Use Our Float money to Invest, or  Free Yourself of Consumer Debt

Our Success Stories

Our clients love our services. Just look at what they have to say.

“I loved the customer service you guys provided me. You were very nice and patient with the questions I had. I love using float to pay my student loan”

Donyel J. Grier

Paid off Student Loans

“I had a good experience with pāyZero®. Not only did you help us with our Investments, but I now generate enough float money to pay my entire auto loan and some.”

Mary O. Randle

Invests in Crypto Currency

We are here to help you

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Financing Available

Low Monthly Fee

One low monthly payment is based on your float.

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Call us at

(833) 321-ZERO (9376)


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