Your home loan, handled with care.
Straight answers, fast pre-approvals, and a loan officer who actually picks up the phone. Let's find the right mortgage for your family.
Officer Award
Powered by Guild Mortgage · Serving Farmington & the Missouri Parkland
A lender who treats your loan like it's his own.
Buying or refinancing should feel like an exciting step forward — not a stack of paperwork and silence. Zach keeps you informed at every turn and solves the bumps before they become problems.
Always reachable
Call or text any day of the week. You'll never wonder where your loan stands or who to ask.
Fast pre-approvals
Get a clear, accurate pre-approval letter quickly so you can shop with confidence and win the offer.
First-time buyer friendly
Never bought before? Zach walks you through every step in plain English — no jargon, no pressure.
The right loan for every situation.
From down-payment assistance for first-time buyers to government-backed loans for military and rural families.
FHA Loans
Low down payments and flexible credit requirements — a popular path for first-time buyers.
VA Loans
$0 down options and competitive rates for veterans, active-duty service members and their families.
USDA Loans
100% financing for eligible rural and suburban homes. Zach is an award-winning USDA specialist.
Conventional
Flexible terms for buyers with steady credit — fixed and adjustable-rate options available.
Jumbo Loans
Financing above conventional limits for higher-value homes in your market.
Refinance
Lower your payment, shorten your term, or tap equity with a refinance that fits your goals.
Four steps from hello to keys in hand.
Apply online
Start your secure application in minutes from any device — whenever works for you.
Get pre-approved
Zach reviews your details and gets you a real pre-approval letter you can shop with.
Find your home
Make strong offers backed by a lender sellers and agents trust to close.
Close with confidence
A smooth, well-communicated closing — and a lender you'll call again.
585 reviews. 4.98 stars.
Verified reviews from buyers and real estate partners across the Farmington area.
"Zach has become one of my favorite lenders to work with as a real estate agent. He's available to my clients at all hours, keeps us informed, and knows how to problem-solve every bump in the road to closing."
"Zach and his team were absolutely amazing! As first-time home buyers they made the process incredibly easy and pain free. Everything was explained very well. I would 100% recommend working with them!"
"I have worked with Zach for many years as a Realtor. He always performs at a high level and very fast. My customers always have a great experience."
Let's get you pre-approved.
It only takes a few minutes to start. Apply online securely, and Zach will walk you through everything from there.