Zak was raised in Johnstown, Pennsylvania. Zak obtained his education at Washington & Jefferson College, located just south of Pittsburgh, PA. Zak was able to let his work ethic shine early as he was able to obtain a degree in Accounting while also playing basketball. Zak has 7+ years of proven success in the Mortgage industry as he has worked in all facets of the operation from customer service to processing to mortgage consultant. Zak's ability to communicate with customers became his biggest strength. With the vast amount of mortgage related experience Zak has a unique skillset where he truly understands the entire loan process from day 1 until the loan is fully paid off. As a VP of Mortgage Lending, Zak's main goal is to provide his honest assessment of all situations and to give you the knowledge and expertise to help guide you through the loan process. His aim with every discussion is to find the terms that are right for your budget so that the closing goes smoothly. Zak will help you consider all of your options so you can concentrate on making the best decision for your needs. Zak is dedicated to clear and constant communication to ensure the process moves effortlessly. Zak believes in putting the customer first and the best way to build his reputation and Guaranteed Rate's name is by providing a superior loan experience. In his spare time Zak loves hanging out with his wife, Megan and his son, Dash. He also enjoys traveling, brewery tasting, spending time with his friends and family, and playing basketball.
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This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate, Inc. and are subject to change without notice. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges).
Product Assumptions:
Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.
Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.
FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.
VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
One discount points equals one percent of your loan amount.
Guaranteed Rate, Inc. has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.